Cadillac ATS Insurance Rates

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2014 Cadillac ATS Insurance Quotes in 2025 – 5 Tips for Cheapest Rates

No one in their right mind fancies paying their premiums for car insurance, especially when their premiums are too high. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with catchy ads and it can be hard to separate fact from fiction and find the best price available. You should take the time to shop coverage around before your next renewal because ...

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UPDATED: Mar 30, 2024

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The average auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage insurance. Comprehensive costs on average $214, collision insurance costs $368, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,602. Teens cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Comprehensive $214
Collision $368
Liability $460

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all ATS models.

Price Range Variability

For a driver in their 40's, Cadillac ATS insurance rates range from as cheap as $510 for basic liability insurance to the much higher price of $2,602 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The examples above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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.

Rate Comparisons

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

  • The cheapest rate after discounts is $703
  • Raising to $1,000 deductibles will save around $132 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,200
  • Selecting pricier low deductibles will cost $1,458
  • Higher-risk drivers with serious driving violations could pay upwards of $2,602
  • Policy cost with full coverage for a teen driver for full coverage may cost $4,688

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance rates range from $703 to $4,688 for full coverage

Insurance rates for a Cadillac ATS also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher 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 probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Cadillac ATS insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $390 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Cadillac ATS insurance rates. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$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%

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 $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 Buy Cheaper Cadillac ATS Insurance

Finding cheaper rates on Cadillac ATS insurance consists of avoiding accidents and violations, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the data that was covered in the charts and tables above.

  • It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Drivers who require higher liability limits will pay approximately $510 annually to raise from a 30/60 limit to higher 250/500 limits
  • Teenagers pay higher rates, possibly costing $391 each month if they have full coverage
  • High-risk drivers with multiple at-fault accidents may pay on average $1,400 more each year for car insurance

Rates by Driver Age

Cadillac ATS Insurance 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

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
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

Cadillac ATS Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $703

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

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