Cadillac ATS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Mar 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Cadillac ATS are $1,200 a year with full coverage. Comprehensive costs on average $214 a year, collision insurance costs $368, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,602. 16-year-old drivers 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

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and ATS trim levels.

Price Range Variability

For the average 40-year-old driver, Cadillac ATS insurance rates range from as low as $510 for just liability coverage to a high of $2,602 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

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

The examples above demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $703
  • Raising to $1,000 deductibles will save around $1,068 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,200
  • Buying low $100 deductibles will increase the cost to $1,458
  • Drivers with multiple tickets or accidents could pay upwards of $2,602
  • Policy cost for full coverage for a 16-year-old driver 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

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

Older drivers with no driving violations and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find rates as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.

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

Opting for high physical damage deductibles can reduce rates by up to $390 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

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 Find the Right Cadillac ATS Insurance

Finding cheaper rates on insurance for a Cadillac ATS consists of having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the car insurance concepts touched on in this article.

  • Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,400 more each year to buy Cadillac ATS insurance
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • Insureds who require increased levels of liability coverage will pay around $510 every year to raise from a 30/60 limit to 250/500 limits

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles