Cadillac ATS Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 30, 2024
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Estimated insurance prices for a Cadillac ATS are $1,174 every 12 months for full coverage insurance. Comprehensive insurance costs around $206, collision costs $346, and liability is $464. A policy with only liability insurance costs around $514 a year, with a high-risk policy costing $2,546 or more. Teenage drivers pay the most at $4,606 a year or more.
Average premium for full coverage: $1,174
Premium estimates for type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different ATS trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac ATS go from the cheapest price of $514 for liability-only coverage to a much higher rate of $2,546 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of 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 Charts and Tables
The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Raising to $1,000 deductibles will save about $124 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,174
- Using more expensive low deductibles costs an extra $244 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,546 or more
- An auto insurance policy to insure a teen driver with full coverage can be $4,606
Car insurance prices for a Cadillac ATS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $370 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, 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 such a large range in prices, the only way to figure out your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 Best Cheap Cadillac ATS Insurance
Finding better rates on car insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a quick review of the concepts that were raised in the charts and tables above.
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,370 more every year to insure their ATS
- Teen drivers are the costliest to insure, with premiums being up to $384 per month if the policy includes full coverage
- It is possible to save up to $140 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $375 each year
- It is possible to save up to $140 per year simply by shopping early and online
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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