Cadillac ATS Coupe Insurance Rates

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UPDATED: May 18, 2024

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Average insurance rates for a Cadillac ATS Coupe are $1,370 a year for full coverage. Comprehensive insurance costs on average $268, collision insurance costs $484, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,976 or more. Teen drivers receive the highest rates at up to $5,224 a year.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Comprehensive $268
Collision $484
Liability $460

Includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all ATS Coupe models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $510 for a discount liability-only rate to the much higher price of $2,976 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,370
High Risk $2,976

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

These examples show why everyone should compare rates based on a specific location, instead of making a decision based on price 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $790
  • Drivers who choose higher $1,000 deductibles will pay around $170 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,370
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $334 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,976
  • The cost that insures a 16-year-old driver for full coverage may cost $5,224 a year

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing Cadillac ATS Coupe insurance prices range from $790 to $5,224 for full coverage

Car insurance rates for a Cadillac ATS Coupe can also vary considerably based on the model of your ATS Coupe, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers can cost from 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Cadillac ATS Coupe insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

Cadillac ATS Coupe Insurance Rates by State
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%

View Chart as Image

Cadillac ATS Coupe insurance rates by U.S. city

Choosing high deductibles could save up to $510 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Cadillac ATS Coupe Insurance Rates by Model Year
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 Find the Cheapest Cadillac ATS Coupe Insurance

Saving money on insurance for a Cadillac ATS Coupe not only requires having a good driving record, but also having a positive credit history, eliminating unneeded coverage, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a recap of the information raised in the charts and tables above.

  • Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
  • Drivers age 20 and younger are expensive to insure, costing as high as $435 per month if full coverage is purchased
  • Increasing deductibles can save approximately $500 each year
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,610 more each year to buy Cadillac ATS Coupe insurance
  • Insureds who require increased levels of liability coverage will pay about $510 each year to go from a minimum limit to the 250/500 level

Rates by Driver Age

Cadillac ATS Coupe Insurance 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

Cadillac ATS Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Coupe Insurance Rates with Different Liability Limits
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

Cadillac ATS Coupe Insurance 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.

SR-22 Surcharge $192

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
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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