Cadillac ATS Coupe Insurance Rates

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UPDATED: May 18, 2024

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U.S. average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually including full coverage. Comprehensive costs an estimated $250 a year, collision costs $446, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,852. Teen drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates broken down by individual coverage:

Comprehensive $250
Collision $446
Liability $460

Includes $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and ATS Coupe trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac ATS Coupe insurance prices go from as cheap as $510 for liability-only coverage to a high of $2,852 for coverage for higher-risk drivers.

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

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

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

The ranges above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

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Additional Charts and Tables

The chart below breaks down estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $762
  • Choosing higher $1,000 deductibles can save approximately $1,156 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,314
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,622
  • Drivers with multiple violations and an at-fault accident could pay up to $2,852 or more
  • The price with full coverage for a teenage driver can cost as much as $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

Auto insurance prices for a Cadillac ATS Coupe are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $470 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

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 $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices may be quite different between companies.

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 Buy the Cheapest Cadillac ATS Coupe Insurance

Getting lower rates on auto insurance takes having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a recap of the primary concepts that were touched on in the above illustrations.

  • You may be able to save approximately $160 per year simply by quoting early and online
  • Drivers that have major violations or accidents could be forced to pay on average $1,540 more annually to buy Cadillac ATS Coupe insurance
  • Increasing physical damage deductibles could save up to $475 each year
  • Drivers age 20 and younger are the costliest to insure, possibly costing $421 a month if full coverage is included

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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