Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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UPDATED: May 18, 2024
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The average auto insurance rates for a Cadillac ATS Coupe are $1,370 annually with full coverage. Comprehensive insurance costs approximately $268, collision insurance costs $484, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,976 or more. Teens cost the most to insure at up to $5,224 a year.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different ATS Coupe trim levels.
Price Range Variability
For a 40-year-old driver, Cadillac ATS Coupe insurance rates range from as cheap as $510 for liability-only coverage to a much higher rate of $2,976 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of 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.
Additional Charts and Tables
The chart below details average Cadillac ATS Coupe insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $790
- Using higher $1,000 deductibles will save $170 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,370
- Selecting more expensive low deductibles for physical damage coverage costs an additional $334 every year
- Drivers with serious driving violations could pay around $2,976
- Policy cost with full coverage for a teen driver with full coverage can cost $5,224 or more
Auto insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2023 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2022 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2021 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2020 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2019 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2018 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2017 Cadillac ATS Coupe | $268 | $484 | $460 | $1,370 |
| 2015 Cadillac ATS Coupe | $242 | $418 | $464 | $1,282 |
Rates are averaged for all Cadillac ATS Coupe 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 Cheap Cadillac ATS Coupe Insurance
Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief summary of the concepts that were illustrated above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,610 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $435 each month if full coverage is included
- You may be able to save around $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $500 each year
- You may be able to save around $160 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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