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 for full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $446, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,852. Teen drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $446
Liability $460

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and ATS Coupe trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $510 for just liability insurance to a high of $2,852 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

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

These examples show why it is important to compare rates quotes for a targeted area, instead of 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.

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More Rate Details

The chart below shows average Cadillac ATS Coupe insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $762
  • Raising to $1,000 deductibles will save approximately $1,156 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,314
  • Choosing low $100 deductibles bumps up the cost to $1,622
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $2,852
  • The cost that insures a teen driver can cost as much as $5,046

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing Cadillac ATS Coupe insurance rates range from $762 to $5,046 for full coverage

Car insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level of your ATS Coupe, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 136% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age

Where you live also has a big influence on Cadillac ATS Coupe insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, 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

Choosing high deductibles can reduce rates by up to $470 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 car insurance consists of avoiding accidents and violations, having a positive credit history, eliminating unneeded coverage, and possibly higher deductibles. Shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered in the above illustrations.

  • Policyholders who want higher liability limits will pay about $510 each year to raise from a minimum limit to the 250/500 level
  • Teenagers have the highest car insurance rates, costing as high as $421 per month if full coverage is purchased
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,540 more annually for car insurance
  • Increasing deductibles can save approximately $475 each year

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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