Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Average auto insurance rates for a Cadillac ATS are $1,174 annually with full coverage. Comprehensive insurance costs an estimated $206, collision costs $346, and liability coverage is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $2,546 or more. Teenage drivers receive the highest rates at $4,606 a year or more.
Average premium for full coverage: $1,174
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all ATS models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $514 for just the minimum liability insurance to the much higher price of $2,546 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.
The example below illustrates how location impacts insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using 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.
Additional Rate Analysis
The chart below details estimated Cadillac ATS insurance rates for other coverage scenarios.
- The best discount rate is $693
- Choosing higher $1,000 deductibles can save approximately $124 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,174
- Using pricier low deductibles for comp and collision coverage costs an additional $244 each year
- Drivers who are prone to accidents and violations could pay up to $2,546 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $4,606 each year
Car insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your driving record, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,400 to $2,000 extra per year, depending on your age. Cadillac ATS insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $370 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,590 on average in New York, Michigan, and Florida.
| 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 so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly 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
Saving money on auto insurance takes not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a summary of the data touched on above.
- Consumers who want higher liability limits will pay an extra $510 every year to raise limits from a minimum limit to higher 250/500 limits
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $375 each year
- Teens have the highest car insurance rates, with premiums as much as $384 per month if comprehensive and collision insurance is included
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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