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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Average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually with full coverage. Comprehensive insurance costs on average $250 each year, collision costs $446, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,852 or more. Teenage drivers receive the highest rates at $5,046 a year or more.
Average premium for full coverage: $1,314
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and ATS Coupe models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $510 for the bare minimum liability coverage to a high rate of $2,852 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities.
The graphic below illustrates how your location can change car insurance rates.
These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying 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.
Additional Rate Information
The chart below details estimated Cadillac ATS Coupe insurance rates for different risk profiles and scenarios.
- The best discount rate is $762
- Raising to $1,000 deductibles will save around $158 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,314
- Using low deductibles costs an additional $308 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,852 or more
- The cost with full coverage for a teen driver may cost $5,046
Auto insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level of your ATS Coupe, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $470 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Cadillac ATS Coupe insurance rates. A middle-age driver might find rates 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.
| 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Cadillac ATS Coupe Insurance
Saving money on Cadillac ATS Coupe insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a brief review of the information illustrated above.
- You may be able to save as much as $160 per year simply by quoting online in advance
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $421 per month if full coverage is included
- Increasing deductibles could save up to $475 each year
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,540 more each year than a safer driver
- Drivers who require an increased level of liability coverage will pay an extra $510 every year to raise from a minimum limit to higher 250/500 limits
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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