Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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U.S. average auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage. Comprehensive costs an estimated $214 each year, collision costs $368, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,602. 16-year-old drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,200

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $368
Liability $460

Prices are based on $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and ATS models.

Price Range from Low to High

For an average driver, Cadillac ATS insurance prices go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,602 for a policy for a high-risk driver.

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

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have fewer accident claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

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

The ranges above show why all drivers should compare prices for a targeted area and their own personal driving habits, 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 Rate Analysis

The chart below shows estimated Cadillac ATS insurance rates for other coverage scenarios.

  • The best full coverage rate is $703
  • Using higher $1,000 deductibles will save approximately $132 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,200
  • Buying low deductibles for physical damage coverage will cost $1,458
  • Drivers with multiple tickets or accidents could pay up to $2,602 or more
  • The price with full coverage for a teen driver can cost as much as $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

Insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $2,000 additional each 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

Opting for high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,710 on average in New York, Louisiana, 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

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.

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 Buy Affordable Cadillac ATS Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the coverage data covered in the above illustrations.

  • Drivers can save approximately $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $400 each year
  • Teens are expensive to insure, with premiums as much as $391 a month if they have full coverage
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,400 more annually for ATS insurance

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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