Cadillac ATS Coupe Insurance Rates
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UPDATED: May 18, 2024
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The average auto insurance rates for a Cadillac ATS Coupe are $1,434 annually for full coverage insurance. Comprehensive insurance costs on average $280, collision costs $540, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,122 or more. Teenage drivers cost the most to insure at $5,438 a year or more.
Average premium for full coverage: $1,434
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all ATS Coupe models.
Price Range Variability
For the average driver, Cadillac ATS Coupe insurance rates go from as cheap as $508 for just the minimum liability insurance to the much higher price of $3,122 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.
The example below illustrates how location impacts car insurance rates.
The examples above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying 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 Analysis
The chart below illustrates estimated Cadillac ATS Coupe insurance rates for different risk profiles and scenarios.
- The best discount rate is $819
- Raising to $1,000 deductibles will save around $186 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,434
- Using pricier low deductibles costs an additional $364 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,122 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $5,438
Insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $550 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Cadillac ATS Coupe insurance rates. A middle-age driver might find rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,940 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied 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 Low Cost Cadillac ATS Coupe Insurance
Finding cheaper rates on Cadillac ATS Coupe insurance consists of being a low-risk driver, having a good credit history, being claim-free, and bundling your home and auto policies. Spend time shopping around every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a review of the coverage data touched on above.
- It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Teen drivers pay the highest rates, possibly costing $453 each month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,690 more each year to insure their ATS Coupe
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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