Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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UPDATED: May 18, 2024
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The average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually for full coverage. Comprehensive costs an estimated $250, collision costs $446, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,852. Teen drivers cost the most to insure at $5,046 a year or more.
Average premium for full coverage: $1,314
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all ATS Coupe models.
Price Range Variability
For a driver around age 40, Cadillac ATS Coupe insurance rates go from as cheap as $510 for your basic liability-only policy to the much higher price of $2,852 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, 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.
More Rate Information
The chart below shows estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $762
- Using higher $1,000 deductibles will save approximately $158 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,314
- Choosing pricier low deductibles for physical damage coverage will cost $1,622
- Drivers with multiple violations and an at-fault accident could pay up to $2,852 or more
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,046 or more
Auto insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,200 in extra premium every year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers can be as much as 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $470 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see 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.
| 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied between companies.
| 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 Buy the Best Cheap Cadillac ATS Coupe Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a quick review of the primary concepts that were covered above.
- Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,540 more annually to insure their ATS Coupe
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Teen drivers are the costliest to insure, costing up to $421 each month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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