Cadillac ATS Coupe Insurance Rates

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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 costs on average $250 a year, collision costs $446, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,852. Teenage drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates by individual coverage:

Comprehensive $250
Collision $446
Liability $460

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and ATS Coupe trim levels.

Price Range from Low to High

For a 40-year-old driver, Cadillac ATS Coupe insurance prices go from the low end price of $510 for your basic liability-only policy to a high of $2,852 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The ranges above demonstrate why it is important to get quotes based on a specific location, instead of making a decision based on average rates.

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.

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More Rate Information

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

  • The best discount rate is $762
  • Choosing higher $1,000 deductibles can save around $1,156 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,314
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,622
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,852 or more
  • The price that insures a 16-year-old driver may cost $5,046 each year

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing full coverage Cadillac ATS Coupe insurance rates range from $762 to $5,046

Car insurance prices for a Cadillac ATS Coupe are also quite variable based on the trim level of your ATS Coupe, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

Cadillac ATS Coupe Insurance Rates by State
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%

View Chart as Image

Cadillac ATS Coupe insurance rates by U.S. city

Using high physical damage deductibles can save as much as $470 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

Cadillac ATS Coupe Insurance Rates by Model Year
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 the Best Cadillac ATS Coupe Insurance

Getting lower rates on insurance for a Cadillac ATS Coupe takes having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct companies, and also from several local insurance agents.

The next list is a brief recap of the concepts that were illustrated above.

  • Drivers considered higher risk who tend to receive serious violations pay on average $1,540 more each year to buy Cadillac ATS Coupe insurance
  • Drivers age 20 and younger are expensive to insure, costing up to $421 a month if full coverage is purchased
  • You may be able to save as much as $160 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $475 each year
  • You may be able to save as much as $160 per year simply by quoting early and online

Rates by Driver Age

Cadillac ATS Coupe Insurance 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

Cadillac ATS Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Coupe Insurance Rates with Different Liability Limits
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

Cadillac ATS Coupe Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $762

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

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