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 $1,248 a year including full coverage. Comprehensive costs an estimated $230 a year, collision insurance costs $400, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,704. Teenage drivers pay the highest rates at up to $4,836 a year.
Average premium for full coverage: $1,248
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and ATS trim levels.
Price Range from Low to High
For a driver around age 40, Cadillac ATS insurance prices range from as low as $510 for minimum levels of liability insurance to a high of $2,704 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city 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 diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why it is important to compare rates quotes 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.
Additional Rate Details
The chart below breaks down average Cadillac ATS insurance rates for other coverage scenarios.
- The best discount rate is $729
- Raising to $1,000 deductibles will save approximately $1,104 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,248
- Using low $100 deductibles will increase the cost to $1,524
- At-risk drivers who are prone to accidents and violations could pay up to $2,704
- The price for full coverage for a teen driver can cost as much as $4,836
Auto 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.
Older drivers with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age
The state you live in also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$118 | -9.5% |
| Alaska | $958 | -$290 | -23.2% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,194 | -$54 | -4.3% |
| Connecticut | $1,284 | $36 | 2.9% |
| Delaware | $1,414 | $166 | 13.3% |
| Florida | $1,560 | $312 | 25.0% |
| Georgia | $1,152 | -$96 | -7.7% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $846 | -$402 | -32.2% |
| Illinois | $928 | -$320 | -25.6% |
| Indiana | $938 | -$310 | -24.8% |
| Iowa | $840 | -$408 | -32.7% |
| Kansas | $1,186 | -$62 | -5.0% |
| Kentucky | $1,702 | $454 | 36.4% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $772 | -$476 | -38.1% |
| Maryland | $1,030 | -$218 | -17.5% |
| Massachusetts | $1,000 | -$248 | -19.9% |
| Michigan | $2,168 | $920 | 73.7% |
| Minnesota | $1,046 | -$202 | -16.2% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,108 | -$140 | -11.2% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $900 | -$348 | -27.9% |
| New Jersey | $1,396 | $148 | 11.9% |
| New Mexico | $1,106 | -$142 | -11.4% |
| New York | $1,316 | $68 | 5.4% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,022 | -$226 | -18.1% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,284 | $36 | 2.9% |
| Oregon | $1,144 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$58 | -4.6% |
| Rhode Island | $1,666 | $418 | 33.5% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,092 | -$156 | -12.5% |
| Texas | $1,504 | $256 | 20.5% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $748 | -$500 | -40.1% |
| Washington | $968 | -$280 | -22.4% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $420 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS | $322 | $594 | $372 | $1,446 |
| 2023 Cadillac ATS | $306 | $570 | $390 | $1,424 |
| 2022 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2021 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2020 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2019 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2018 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2017 Cadillac ATS | $240 | $446 | $456 | $1,300 |
| 2016 Cadillac ATS | $230 | $400 | $460 | $1,248 |
| 2015 Cadillac ATS | $214 | $368 | $460 | $1,200 |
| 2014 Cadillac ATS | $206 | $346 | $464 | $1,174 |
| 2013 Cadillac ATS | $202 | $322 | $474 | $1,156 |
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 Affordable Cadillac ATS Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief review of the ideas that were covered above.
- Drivers under the age of 20 are the costliest to insure, possibly costing $403 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,460 more annually to insure a Cadillac ATS
- Increasing physical damage deductibles can save around $425 each year
- You may be able to save approximately $150 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,836 |
| 20 | $2,884 |
| 30 | $1,288 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,396 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,340 |
| 100/300 | $1,455 |
| 250/500 | $1,754 |
| 100 CSL | $1,386 |
| 300 CSL | $1,639 |
| 500 CSL | $1,823 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,598 |
| 30 | $2,750 |
| 40 | $2,704 |
| 50 | $2,586 |
| 60 | $2,564 |
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 | $65 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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