Cadillac ATS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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U.S. average insurance prices for a Cadillac ATS are $1,174 every 12 months for full coverage. Comprehensive insurance costs around $206 each year, collision costs $346, and liability costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $2,546 or more. Teenage drivers pay the highest rates at $4,606 a year or more.
Average premium for full coverage: $1,174
Price estimates for individual coverage:
Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and ATS models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac ATS insurance prices go from the cheapest price of $514 for just liability insurance to a high rate of $2,546 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above show why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on 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 Details
The chart below shows estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Using higher $1,000 deductibles will save about $124 a year
- The average price for the average middle-age driver using $500 deductibles is $1,174
- Using low deductibles for physical damage coverage costs an extra $244 annually
- High-risk insureds who are prone to accidents and violations could pay at least $2,546 or more
- The price to insure a 16-year-old driver can be $4,606 or more
Car insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $370 annually, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than a normal policy. View High Risk Driver Rates
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 $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.
| 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 Shop for the Right Cadillac ATS Insurance
Getting lower rates on insurance for a Cadillac ATS requires being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the data that was touched on in the above illustrations.
- Drivers can save up to $140 per year simply by quoting online in advance
- Insureds who may need more liability coverage will pay an extra $510 each year to increase from a low limit to a 250/500 level
- Teen drivers are the costliest to insure, with premiums as much as $384 a month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,370 more every year to insure their ATS
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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