Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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The average auto insurance rates for a Cadillac ATS are $1,174 annually including full coverage. Comprehensive costs on average $206, collision insurance costs $346, and liability is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs around $2,546. Teen drivers cost the most to insure at up to $4,606 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Comprehensive $206
Collision $346
Liability $464

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different ATS trim levels.

Price Range Variability

For the average 40-year-old driver, Cadillac ATS insurance rates range from as cheap as $514 for just liability coverage to a much higher rate of $2,546 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on car insurance rates.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $693
  • Raising to $1,000 deductibles will save around $124 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,174
  • Choosing more expensive low deductibles will cost $1,418
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,546
  • Policy cost with full coverage for a 16-year-old driver with full coverage may cost $4,606

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 also range considerably based on the model year and trim level, your driving characteristics, 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 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates

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

Your home state also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,680 on average in Michigan, New York, and Louisiana.

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 Cheaper Cadillac ATS Insurance

Finding cheaper rates on insurance for a Cadillac ATS consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save as much as $140 per year just by shopping early and online
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,370 more each year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $375 each year
  • Teenagers pay higher rates, with premiums being up to $384 each 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.

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