Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 18, 2024
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U.S. average insurance rates for a Cadillac ATS Coupe are $1,314 a year with full coverage. Comprehensive insurance costs on average $250, collision insurance costs $446, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $2,852 or more. 16-year-old drivers pay the highest rates at up to $5,046 a year.
Average premium for full coverage: $1,314
Price estimates by individual coverage:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different ATS Coupe trim levels.
Price Range from Low to High
For an average driver, Cadillac ATS Coupe insurance prices range from as low as $510 for just liability insurance to a much higher rate of $2,852 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using 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 Details
The chart below details average Cadillac ATS Coupe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $762
- Drivers who choose higher $1,000 deductibles will pay around $158 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,314
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $308 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,852
- The price for full coverage for a teen driver with full coverage may cost $5,046 a year
Insurance prices for a Cadillac ATS Coupe are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
The state you live in makes a big difference in Cadillac ATS Coupe insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$126 | -9.6% |
| Alaska | $1,008 | -$306 | -23.3% |
| Arizona | $1,092 | -$222 | -16.9% |
| Arkansas | $1,314 | -$0 | 0.0% |
| California | $1,498 | $184 | 14.0% |
| Colorado | $1,258 | -$56 | -4.3% |
| Connecticut | $1,352 | $38 | 2.9% |
| Delaware | $1,488 | $174 | 13.2% |
| Florida | $1,644 | $330 | 25.1% |
| Georgia | $1,214 | -$100 | -7.6% |
| Hawaii | $944 | -$370 | -28.2% |
| Idaho | $890 | -$424 | -32.3% |
| Illinois | $978 | -$336 | -25.6% |
| Indiana | $990 | -$324 | -24.7% |
| Iowa | $888 | -$426 | -32.4% |
| Kansas | $1,250 | -$64 | -4.9% |
| Kentucky | $1,794 | $480 | 36.5% |
| Louisiana | $1,946 | $632 | 48.1% |
| Maine | $810 | -$504 | -38.4% |
| Maryland | $1,086 | -$228 | -17.4% |
| Massachusetts | $1,052 | -$262 | -19.9% |
| Michigan | $2,284 | $970 | 73.8% |
| Minnesota | $1,102 | -$212 | -16.1% |
| Mississippi | $1,574 | $260 | 19.8% |
| Missouri | $1,166 | -$148 | -11.3% |
| Montana | $1,412 | $98 | 7.5% |
| Nebraska | $1,038 | -$276 | -21.0% |
| Nevada | $1,576 | $262 | 19.9% |
| New Hampshire | $948 | -$366 | -27.9% |
| New Jersey | $1,470 | $156 | 11.9% |
| New Mexico | $1,164 | -$150 | -11.4% |
| New York | $1,386 | $72 | 5.5% |
| North Carolina | $756 | -$558 | -42.5% |
| North Dakota | $1,076 | -$238 | -18.1% |
| Ohio | $910 | -$404 | -30.7% |
| Oklahoma | $1,352 | $38 | 2.9% |
| Oregon | $1,204 | -$110 | -8.4% |
| Pennsylvania | $1,254 | -$60 | -4.6% |
| Rhode Island | $1,754 | $440 | 33.5% |
| South Carolina | $1,192 | -$122 | -9.3% |
| South Dakota | $1,110 | -$204 | -15.5% |
| Tennessee | $1,152 | -$162 | -12.3% |
| Texas | $1,584 | $270 | 20.5% |
| Utah | $974 | -$340 | -25.9% |
| Vermont | $900 | -$414 | -31.5% |
| Virginia | $788 | -$526 | -40.0% |
| Washington | $1,018 | -$296 | -22.5% |
| West Virginia | $1,204 | -$110 | -8.4% |
| Wisconsin | $910 | -$404 | -30.7% |
| Wyoming | $1,172 | -$142 | -10.8% |
Opting for high physical damage deductibles could save up to $470 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2023 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2022 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2021 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2020 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac ATS Coupe | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
| 2015 Cadillac ATS Coupe | $236 | $390 | $474 | $1,258 |
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 Find Low Cost Cadillac ATS Coupe Insurance
Getting lower rates on car insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The next list is a review of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $160 per year just by shopping early and online
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,540 more each year to buy Cadillac ATS Coupe insurance
- Increasing physical damage deductibles can save around $475 each year
- Drivers age 20 and younger pay the highest prices, costing up to $421 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,040 |
| 30 | $1,360 |
| 40 | $1,314 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,314 |
| 50/100 | $1,406 |
| 100/300 | $1,521 |
| 250/500 | $1,820 |
| 100 CSL | $1,452 |
| 300 CSL | $1,705 |
| 500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,176 |
| 20 | $4,844 |
| 30 | $2,904 |
| 40 | $2,852 |
| 50 | $2,724 |
| 60 | $2,700 |
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 | $69 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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