Cadillac ATS Insurance Rates
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UPDATED: Jun 5, 2023
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Average auto insurance rates for a Cadillac ATS are $1,248 annually with full coverage. Comprehensive costs on average $230 a year, collision insurance costs $400, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,704. Teenage drivers receive the highest rates at up to $4,836 a year.
Average premium for full coverage: $1,248
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and ATS trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $510 for your basic liability-only policy to a high of $2,704 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.
These examples demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using average rates.
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.
More Rate Information
The chart below details average Cadillac ATS insurance rates for different risk profiles and scenarios.
- The best discount rate is $729
- Using higher $1,000 deductibles will save around $1,104 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,248
- Using low $100 deductibles for physical damage coverage will cost $1,524
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,704
- The cost with full coverage for a teenage driver may cost $4,836 or more
Insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your driving record, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $420 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac ATS insurance rates. A driver around age 40 might see rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$118 | -9.5% |
| Alaska | $958 | -$290 | -23.2% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,194 | -$54 | -4.3% |
| Connecticut | $1,284 | $36 | 2.9% |
| Delaware | $1,414 | $166 | 13.3% |
| Florida | $1,560 | $312 | 25.0% |
| Georgia | $1,152 | -$96 | -7.7% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $846 | -$402 | -32.2% |
| Illinois | $928 | -$320 | -25.6% |
| Indiana | $938 | -$310 | -24.8% |
| Iowa | $840 | -$408 | -32.7% |
| Kansas | $1,186 | -$62 | -5.0% |
| Kentucky | $1,702 | $454 | 36.4% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $772 | -$476 | -38.1% |
| Maryland | $1,030 | -$218 | -17.5% |
| Massachusetts | $1,000 | -$248 | -19.9% |
| Michigan | $2,168 | $920 | 73.7% |
| Minnesota | $1,046 | -$202 | -16.2% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,108 | -$140 | -11.2% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $900 | -$348 | -27.9% |
| New Jersey | $1,396 | $148 | 11.9% |
| New Mexico | $1,106 | -$142 | -11.4% |
| New York | $1,316 | $68 | 5.4% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,022 | -$226 | -18.1% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,284 | $36 | 2.9% |
| Oregon | $1,144 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$58 | -4.6% |
| Rhode Island | $1,666 | $418 | 33.5% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,092 | -$156 | -12.5% |
| Texas | $1,504 | $256 | 20.5% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $748 | -$500 | -40.1% |
| Washington | $968 | -$280 | -22.4% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS | $322 | $594 | $372 | $1,446 |
| 2023 Cadillac ATS | $306 | $570 | $390 | $1,424 |
| 2022 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2021 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2020 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2019 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2018 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2017 Cadillac ATS | $240 | $446 | $456 | $1,300 |
| 2016 Cadillac ATS | $230 | $400 | $460 | $1,248 |
| 2015 Cadillac ATS | $214 | $368 | $460 | $1,200 |
| 2014 Cadillac ATS | $206 | $346 | $464 | $1,174 |
| 2013 Cadillac ATS | $202 | $322 | $474 | $1,156 |
Rates are averaged for all Cadillac ATS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Cadillac ATS Insurance
Saving money on auto insurance requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around every time your policy renews by getting price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a quick review of the information touched on above.
- You may be able to save as much as $150 per year just by quoting early and online
- Teen drivers pay the highest rates, with premiums as much as $403 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $425 each year
- Drivers with a DUI or reckless driving violation pay an average of $1,460 more each year to insure their ATS
- Consumers who require more liability coverage will pay an extra $510 every year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,836 |
| 20 | $2,884 |
| 30 | $1,288 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,396 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,340 |
| 100/300 | $1,455 |
| 250/500 | $1,754 |
| 100 CSL | $1,386 |
| 300 CSL | $1,639 |
| 500 CSL | $1,823 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,598 |
| 30 | $2,750 |
| 40 | $2,704 |
| 50 | $2,586 |
| 60 | $2,564 |
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 | $65 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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