Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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U.S. average auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage insurance. Comprehensive costs around $214, collision costs $368, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,602. Teens pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,200

Price estimates for individual coverage:

Comprehensive $214
Collision $368
Liability $460

Prices are based on $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all ATS models.

Price Range from Low to High

For a driver around age 40, Cadillac ATS insurance prices go from as cheap as $510 for just liability insurance to the much higher price of $2,602 for high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The ranges above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using 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.

More Rate Details

The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $703
  • Choosing higher $1,000 deductibles can save about $132 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,200
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,458
  • Drivers with serious driving violations could pay at least $2,602 or more
  • The price with full coverage for a teenage driver for full coverage can be $4,688 each year

View Chart as Image

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

Insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Cadillac ATS insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay 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

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, so the prices may be quite different between companies.

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 Affordable Cadillac ATS Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the material that was covered above.

  • Consumers who may need higher liability limits will pay approximately $510 annually to raise limits from a low limit to higher 250/500 limits
  • Teens pay higher prices, as much as $391 a month including comprehensive and collision insurance
  • Drivers with DUI or reckless driving convictions pay on average $1,400 more every year for ATS insurance
  • Increasing physical damage deductibles could save up to $400 each year

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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