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 $1,370 a year with full coverage. Comprehensive costs on average $268, collision costs $484, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,976. Teenage drivers pay the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Comprehensive $268
Collision $484
Liability $460

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all ATS Coupe models.

Price Range from Low to High

For the average driver, Cadillac ATS Coupe insurance prices go from the low end price of $510 for liability-only coverage to the much higher price of $2,976 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

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

The ranges above demonstrate why everyone should get quotes based on a specific location, rather than using 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 Charts and Tables

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

  • The best discount rate is $790
  • Choosing higher $1,000 deductibles can save around $170 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,370
  • Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,704
  • Drivers who are prone to accidents and violations could pay upwards of $2,976 or more
  • The price that insures a teenage driver for full coverage may cost $5,224 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 $790 to $5,224

Car insurance prices for a Cadillac ATS Coupe are also quite variable based on the model 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 $2,300 extra each year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 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 $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac ATS Coupe insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 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 $1,240 -$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

Using high physical damage deductibles can save as much as $510 a year, whereas buying more liability protection 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 regularly compare prices and see how they stack up. 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 $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 Best Cadillac ATS Coupe Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a brief recap of the data touched on above.

  • Consumers who require increased liability limits will pay an extra $510 every year to raise limits from a low limit to the 250/500 level
  • You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $500 each year
  • Drivers under the age of 20 are expensive to insure, costing up to $435 a month if full coverage is purchased

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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