Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 18, 2024
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U.S. average auto insurance rates for a Cadillac ATS Coupe are $1,370 annually including full coverage. Comprehensive costs around $268 a year, collision insurance costs $484, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,976. Teenage drivers pay the highest rates at up to $5,224 a year.
Average premium for full coverage: $1,370
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and ATS Coupe trim levels.
Price Range from Low to High
For a 40-year-old driver, Cadillac ATS Coupe insurance prices range from as cheap as $510 for a discount liability-only rate to a high of $2,976 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below breaks down average Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Choosing higher $1,000 deductibles can save about $1,200 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,370
- Using low $100 deductibles for comp and collision coverage will cost $1,704
- Drivers who are prone to accidents and violations could pay at least $2,976
- The price with full coverage for a teenage driver can be $5,224 each year
Auto insurance prices for a Cadillac ATS Coupe are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will increase prices. 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 $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy the Best Cadillac ATS Coupe Insurance
Getting lower rates on auto insurance takes being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the data that was illustrated above.
- You may be able to save up to $160 per year just by quoting early and online
- Consumers who may need an increased level of liability coverage will pay an extra $510 per year to raise limits from a low limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, possibly costing $435 a month if full coverage is included
- Drivers who tend to receive serious violations may pay on average $1,610 more every year than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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