Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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U.S. average insurance rates for a Cadillac ATS are $1,174 a year including full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $346, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing $2,546 or more. Teenage drivers pay the highest rates at $4,606 a year or more.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

Comprehensive $206
Collision $346
Liability $464

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and ATS models.

Price Range from Low to High

For an average driver, Cadillac ATS insurance prices go from as low as $514 for just liability insurance to a high rate of $2,546 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

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

The ranges above highlight why all drivers should compare rates for a targeted area and risk profile, 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.

More Rate Details

The chart below breaks down estimated Cadillac ATS insurance rates for other coverage scenarios.

  • The best discount rate is $693
  • Drivers who choose higher $1,000 deductibles will pay approximately $124 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,174
  • Using low deductibles for comprehensive and collision insurance will cost an extra $244 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,546 or more
  • The price for full coverage for a teen driver can cost as much as $4,606 a year

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing full coverage Cadillac ATS insurance prices range from $693 to $4,606

Insurance prices for a Cadillac ATS are also quite variable based on your driving record, the model of your ATS, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Cadillac ATS insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,680 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could save up to $370 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Find the Cheapest Cadillac ATS Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a recap of the concepts that were covered in the above illustrations.

  • Higher risk drivers that have major violations or accidents may pay on average $1,370 more annually than a safer driver
  • Drivers age 16 to 20 are expensive to insure, possibly costing $384 a month including comprehensive and collision insurance
  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $375 each year
  • You may be able to save approximately $140 per year simply by quoting online in advance

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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