Cadillac ATS Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 30, 2024
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U.S. average insurance prices for a Cadillac ATS are $1,200 every 12 months for full coverage insurance. Comprehensive costs an estimated $214 each year, collision insurance costs $368, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,602. 16-year-old drivers pay the highest rates at up to $4,688 a year.
Average premium for full coverage: $1,200
Price estimates broken down by individual coverage:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and ATS models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac ATS insurance prices range from the cheapest price of $510 for just liability insurance to a high rate of $2,602 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.
More Rate Details
The chart below illustrates average Cadillac ATS insurance rates for other coverage scenarios.
- The best full coverage rate is $703
- Raising to $1,000 deductibles will save approximately $132 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,200
- Buying low deductibles increases the price to $1,458
- Drivers with multiple tickets or accidents could pay up to $2,602
- The price to insure a 16-year-old driver can cost as much as $4,688
Insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $390 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for Cheap Cadillac ATS Insurance
Getting lower rates on insurance for a Cadillac ATS consists of being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a brief summary of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,400 more annually for auto insurance
- Teenage drivers are expensive to insure, as much as $391 a month if full coverage is included
- It is possible to save approximately $140 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $400 each year
- It is possible to save approximately $140 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,338 |
| $500 | $1,200 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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