Cadillac ATS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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Estimated auto insurance rates for a Cadillac ATS are $1,174 annually for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision costs $346, and liability coverage is $464. A policy with only liability insurance costs around $514 a year, with a high-risk policy costing $2,546 or more. Teen drivers pay the most at $4,606 a year or more.
Average premium for full coverage: $1,174
Premium estimates broken down by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and ATS models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac ATS go from as cheap as $514 for just liability insurance to a high rate of $2,546 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how your location can change insurance prices.
These rate differences illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, 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.
More Rate Details
The chart below illustrates estimated Cadillac ATS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $693
- Raising to $1,000 deductibles will save approximately $124 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,174
- Choosing low deductibles costs an additional $244 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,546 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $4,606
Car insurance prices for a Cadillac ATS also have a wide range based on the model of your ATS, your risk profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $370 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Cadillac ATS insurance rates. A middle-age driver might find prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,590 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $900 | -$274 | -23.3% |
| Arizona | $976 | -$198 | -16.9% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,340 | $166 | 14.1% |
| Colorado | $1,124 | -$50 | -4.3% |
| Connecticut | $1,208 | $34 | 2.9% |
| Delaware | $1,330 | $156 | 13.3% |
| Florida | $1,470 | $296 | 25.2% |
| Georgia | $1,084 | -$90 | -7.7% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $794 | -$380 | -32.4% |
| Illinois | $876 | -$298 | -25.4% |
| Indiana | $884 | -$290 | -24.7% |
| Iowa | $794 | -$380 | -32.4% |
| Kansas | $1,116 | -$58 | -4.9% |
| Kentucky | $1,604 | $430 | 36.6% |
| Louisiana | $1,740 | $566 | 48.2% |
| Maine | $726 | -$448 | -38.2% |
| Maryland | $968 | -$206 | -17.5% |
| Massachusetts | $942 | -$232 | -19.8% |
| Michigan | $2,042 | $868 | 73.9% |
| Minnesota | $984 | -$190 | -16.2% |
| Mississippi | $1,408 | $234 | 19.9% |
| Missouri | $1,042 | -$132 | -11.2% |
| Montana | $1,262 | $88 | 7.5% |
| Nebraska | $928 | -$246 | -21.0% |
| Nevada | $1,408 | $234 | 19.9% |
| New Hampshire | $846 | -$328 | -27.9% |
| New Jersey | $1,314 | $140 | 11.9% |
| New Mexico | $1,042 | -$132 | -11.2% |
| New York | $1,238 | $64 | 5.5% |
| North Carolina | $678 | -$496 | -42.2% |
| North Dakota | $962 | -$212 | -18.1% |
| Ohio | $810 | -$364 | -31.0% |
| Oklahoma | $1,206 | $32 | 2.7% |
| Oregon | $1,076 | -$98 | -8.3% |
| Pennsylvania | $1,122 | -$52 | -4.4% |
| Rhode Island | $1,568 | $394 | 33.6% |
| South Carolina | $1,064 | -$110 | -9.4% |
| South Dakota | $992 | -$182 | -15.5% |
| Tennessee | $1,030 | -$144 | -12.3% |
| Texas | $1,418 | $244 | 20.8% |
| Utah | $872 | -$302 | -25.7% |
| Vermont | $806 | -$368 | -31.3% |
| Virginia | $704 | -$470 | -40.0% |
| Washington | $908 | -$266 | -22.7% |
| West Virginia | $1,076 | -$98 | -8.3% |
| Wisconsin | $814 | -$360 | -30.7% |
| Wyoming | $1,048 | -$126 | -10.7% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2023 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2022 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2021 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2020 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2019 Cadillac ATS | $240 | $446 | $456 | $1,300 |
| 2018 Cadillac ATS | $230 | $400 | $460 | $1,248 |
| 2017 Cadillac ATS | $214 | $368 | $460 | $1,200 |
| 2016 Cadillac ATS | $206 | $346 | $464 | $1,174 |
| 2015 Cadillac ATS | $202 | $322 | $474 | $1,156 |
| 2014 Cadillac ATS | $186 | $300 | $474 | $1,118 |
| 2013 Cadillac ATS | $182 | $272 | $478 | $1,090 |
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 More Affordable Cadillac ATS Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a summary of the concepts that were illustrated above.
- Drivers who have multiple accidents or major violations may pay on average $1,370 more annually to insure their ATS
- Teen drivers have the highest car insurance prices, with premiums being up to $384 per month if comprehensive and collision insurance is included
- It is possible to save approximately $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $375 each year
- It is possible to save approximately $140 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,606 |
| 20 | $2,710 |
| 30 | $1,208 |
| 40 | $1,174 |
| 50 | $1,078 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,304 |
| $500 | $1,174 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,267 |
| 100/300 | $1,383 |
| 250/500 | $1,684 |
| 100 CSL | $1,313 |
| 300 CSL | $1,568 |
| 500 CSL | $1,754 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,528 |
| 20 | $4,322 |
| 30 | $2,580 |
| 40 | $2,546 |
| 50 | $2,432 |
| 60 | $2,410 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $481 |
Discounts are estimated and may not be available from every company or in every state.
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