Cadillac ATS Coupe Insurance Rates
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UPDATED: May 18, 2024
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U.S. average insurance rates for a Cadillac ATS Coupe are $1,434 a year for full coverage. Comprehensive costs an estimated $280, collision costs $540, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $3,122. Teen drivers pay the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,434
Price estimates broken down by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all ATS Coupe models.
Price Range from Low to High
For the average 40-year-old driver, Cadillac ATS Coupe insurance prices go from as low as $508 for just the minimum liability insurance to the much higher price of $3,122 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.
The example below illustrates the difference location can make on insurance prices.
The ranges above show why everyone should get quotes for a targeted area and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $819
- Choosing higher $1,000 deductibles can save approximately $186 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,434
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,798
- Drivers with multiple violations and an at-fault accident could pay up to $3,122 or more
- The price for full coverage for a teenage driver for full coverage can cost as much as $5,438 each year
Insurance prices for a Cadillac ATS Coupe are also quite variable based on your driving record, the trim level of your ATS Coupe, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac ATS Coupe insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
Choosing high deductibles can save as much as $550 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,700 to $2,400 additional each year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers ranges around 44% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2015 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
Rates are averaged for all Cadillac ATS Coupe models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Cadillac ATS Coupe Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a recap of the concepts that were touched on in this article.
- Drivers that have major violations or accidents pay an average of $1,690 more annually for car insurance
- Teenagers are expensive to insure, with premiums as much as $453 a month including comprehensive and collision insurance
- Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $550 each year
- Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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