Cadillac ATS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average auto insurance rates for a Cadillac ATS are $1,174 annually for full coverage insurance. Comprehensive costs on average $206, collision insurance costs $346, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs around $2,546. Teen drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Comprehensive $206
Collision $346
Liability $464

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different ATS trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $514 for a discount liability-only rate to a much higher rate of $2,546 for a driver required to buy high-risk insurance.

Liability Only $514
Full Coverage $1,174
High Risk $2,546

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below illustrates average Cadillac ATS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $693
  • Using higher $1,000 deductibles will save around $124 each year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,174
  • Choosing more expensive low deductibles for physical damage coverage will cost $1,418
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,546
  • The cost with full coverage for a 16-year-old driver with full coverage may cost $4,606 or more

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance rates range from $693 to $4,606 for full coverage

Insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can be from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $370 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

Cadillac ATS Insurance Rates by State
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%

View Chart as Image

Cadillac ATS insurance rates by U.S. city
Cadillac ATS Insurance Rates by Model Year
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 Affordable Cadillac ATS Insurance

Saving money on insurance for a Cadillac ATS requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief review of the data presented in the illustrations above.

  • Insureds who require additional liability coverage will pay about $510 annually to increase from a minimum limit to higher 250/500 limits
  • It is possible to save as much as $140 per year just by shopping early and online
  • Increasing deductibles could save up to $375 each year
  • 16 to 18-year-old drivers pay higher rates, costing up to $384 per month if they have full coverage

Rates by Driver Age

Cadillac ATS Insurance 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

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,304
$500 $1,174
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
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

Cadillac ATS Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $693

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles