Cadillac ATS Coupe Insurance Rates

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UPDATED: May 18, 2024

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The average insurance rates for a Cadillac ATS Coupe are $1,314 a year for full coverage insurance. Comprehensive insurance costs around $250, collision costs $446, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,852 or more. Teenage drivers cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Comprehensive $250
Collision $446
Liability $460

Rates are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different ATS Coupe trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Cadillac ATS Coupe insurance rates go from as low as $510 for minimum levels of liability insurance to a much higher rate of $2,852 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

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

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.

Additional Rate Details

The chart below illustrates estimated Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $762
  • Using higher $1,000 deductibles will save about $158 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,314
  • Using more expensive low deductibles for physical damage coverage will cost an extra $308 annually
  • High-risk insureds who are prone to accidents and violations could pay at least $2,852 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,046 or more

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

Insurance rates for a Cadillac ATS Coupe also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Your home state has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.

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

Using high physical damage deductibles could cut rates by as much as $470 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied 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 the Best Cheap Cadillac ATS Coupe Insurance

Finding cheaper rates on insurance for a Cadillac ATS Coupe requires not taking risks behind the wheel, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the car insurance concepts raised in the charts and tables above.

  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,540 more every year for ATS Coupe insurance
  • It is possible to save up to $160 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $475 each year
  • Insureds who may need higher liability limits will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits

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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