Cadillac ATS Coupe Insurance Rates
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UPDATED: May 18, 2024
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Average auto insurance rates for a Cadillac ATS Coupe are $1,434 annually including full coverage. Comprehensive costs around $280, collision costs $540, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $3,122. Teens receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,434
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different ATS Coupe trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $508 for basic liability insurance to a much higher rate of $3,122 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below breaks down estimated Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $819
- Using higher $1,000 deductibles will save about $186 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,434
- Selecting more expensive low deductibles for physical damage coverage will cost $1,798
- High-risk insureds with serious driving violations could pay at least $3,122 or more
- The cost with full coverage for a 16-year-old driver with full coverage can be $5,438 or more
Car insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level of your ATS Coupe, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance can be from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $550 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,050 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
With so much variability in rates, the best way to figure out your exact price is to compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2015 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
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 Cheaper Cadillac ATS Coupe Insurance
Saving money on insurance for a Cadillac ATS Coupe requires being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a condensed summary of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,690 more every year than a safer driver
- Drivers age 16 to 20 are the costliest to insure, as much as $453 per month if comprehensive and collision insurance is included
- You may be able to save up to $170 per year simply by shopping early and online
- Increasing deductibles could save up to $550 each year
- You may be able to save up to $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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