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 $1,314 a year including full coverage. Comprehensive insurance costs on average $250 each year, collision costs $446, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,852 or more. Teen 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:

Comprehensive $250
Collision $446
Liability $460

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ATS Coupe models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $510 for liability-only coverage to a high rate of $2,852 for a policy for a high-risk driver.

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

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

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

These examples highlight why all drivers should get quotes based on a specific location and risk profile, rather than using 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $762
  • Choosing higher $1,000 deductibles can save around $158 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,314
  • Choosing low deductibles for comp and collision coverage will cost an extra $308 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,852 or more
  • The cost for full coverage for a teenage 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 prices range from $762 to $5,046

Auto insurance rates for a Cadillac ATS Coupe can also vary considerably based on your driver profile, the model of your ATS Coupe, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac ATS Coupe insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,880 on average in Michigan, New York, and Louisiana.

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

Choosing high deductibles can save as much as $470 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

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 Affordable Cadillac ATS Coupe Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief review of the coverage data presented in the illustrations above.

  • You may be able to save as much as $160 per year simply by quoting online in advance
  • Increasing deductibles can save around $475 each year
  • Youthful drivers are charged the highest rates, as much as $421 per month if they have full coverage
  • Drivers with DUI or reckless driving convictions may pay on average $1,540 more each year than a low-risk driver

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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