Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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Average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs approximately $214 each year, collision costs $368, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,602. 16-year-old drivers receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,200

Rate estimates by individual coverage type:

Comprehensive $214
Collision $368
Liability $460

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and ATS models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as low as $510 for liability-only coverage to a high rate of $2,602 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These examples illustrate why all drivers should compare prices using their specific location and risk profile, instead of using rate 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 Charts and Tables

The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $703
  • Using higher $1,000 deductibles will save $132 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,200
  • Buying low deductibles for physical damage coverage will increase the cost to $1,458
  • Drivers with multiple tickets or accidents could pay around $2,602 or more
  • The cost for full coverage for a teen driver can cost $4,688 or more

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing full coverage Cadillac ATS insurance rates range from $703 to $4,688

Car insurance rates for a Cadillac ATS can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $920 -$280 -23.3%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,148 -$52 -4.3%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,502 $302 25.2%
Georgia $1,108 -$92 -7.7%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $894 -$306 -25.5%
Indiana $904 -$296 -24.7%
Iowa $808 -$392 -32.7%
Kansas $1,142 -$58 -4.8%
Kentucky $1,638 $438 36.5%
Louisiana $1,778 $578 48.2%
Maine $742 -$458 -38.2%
Maryland $990 -$210 -17.5%
Massachusetts $962 -$238 -19.8%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,438 $238 19.8%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $946 -$254 -21.2%
Nevada $1,442 $242 20.2%
New Hampshire $866 -$334 -27.8%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $830 -$370 -30.8%
Oklahoma $1,234 $34 2.8%
Oregon $1,100 -$100 -8.3%
Pennsylvania $1,146 -$54 -4.5%
Rhode Island $1,604 $404 33.7%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,052 -$148 -12.3%
Texas $1,448 $248 20.7%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $930 -$270 -22.5%
West Virginia $1,100 -$100 -8.3%
Wisconsin $830 -$370 -30.8%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Cadillac ATS insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $390 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS $306 $570 $390 $1,424
2023 Cadillac ATS $294 $566 $398 $1,416
2022 Cadillac ATS $284 $552 $416 $1,410
2021 Cadillac ATS $274 $530 $430 $1,392
2020 Cadillac ATS $260 $512 $442 $1,372
2019 Cadillac ATS $250 $474 $452 $1,334
2018 Cadillac ATS $240 $446 $456 $1,300
2017 Cadillac ATS $230 $400 $460 $1,248
2016 Cadillac ATS $214 $368 $460 $1,200
2015 Cadillac ATS $206 $346 $464 $1,174
2014 Cadillac ATS $202 $322 $474 $1,156
2013 Cadillac ATS $186 $300 $474 $1,118

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 Find the Best Cadillac ATS Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a brief recap of the information raised in the charts and tables above.

  • It is possible to save around $140 per year simply by quoting online in advance
  • 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $391 per month if full coverage is included
  • Increasing deductibles can save around $400 each year
  • Higher risk drivers who tend to receive serious violations may pay on average $1,400 more per year than a driver with a clean driving record
  • Policyholders who purchase additional liability coverage will pay around $510 annually to increase from a minimum limit to 250/500 limits

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $4,688
20 $2,774
30 $1,236
40 $1,200
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $6,646
20 $4,422
30 $2,642
40 $2,602
50 $2,488
60 $2,466

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.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $497
Rate after discounts $703

Discounts are estimated and may not be available from every company or in every state.

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