Cadillac ATS Insurance Rates
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UPDATED: Mar 30, 2024
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The average insurance rates for a Cadillac ATS are $1,174 a year including full coverage. Comprehensive costs an estimated $206, collision insurance costs $346, and liability insurance is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,546. 16-year-old drivers cost the most to insure at up to $4,606 a year.
Average premium for full coverage: $1,174
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different ATS trim levels.
Price Range Variability
Using a middle-aged driver as an example, Cadillac ATS insurance rates range from as low as $514 for your basic liability-only policy to a much higher rate of $2,546 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying 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 Information
The chart below breaks down average Cadillac ATS insurance rates for other coverage scenarios.
- The best full coverage rate is $693
- Choosing higher $1,000 deductibles can save approximately $124 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,174
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,418
- High-risk insureds with multiple tickets or accidents could pay up to $2,546
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,606 each year
Insurance rates for a Cadillac ATS also range considerably based on your risk profile, the model of your ATS, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,680 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $370 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
| 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 Cheaper Cadillac ATS Insurance
Finding cheaper rates on Cadillac ATS insurance takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop every year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a condensed summary of the coverage data touched on in the above illustrations.
- You may be able to save approximately $140 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $375 each year
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $384 each month for full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,370 more annually to insure a Cadillac ATS
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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