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 around $250 each year, collision insurance costs $446, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,852. Teenage drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates for individual coverage type:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and ATS Coupe models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $510 for a discount liability-only rate to a high rate of $2,852 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

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

These examples show why all drivers should compare prices for a specific zip code, 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.

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Rates by State, City, and Model

The chart below shows average 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 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,314
  • Using low deductibles for physical damage coverage bumps up the cost to $1,622
  • High-risk insureds who are prone to accidents and violations could pay at least $2,852
  • The cost that insures a 16-year-old driver can be $5,046 or more

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

Insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age

Where you live 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

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, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. 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 More Affordable Cadillac ATS Coupe Insurance

Saving money on insurance for a Cadillac ATS Coupe requires being a good driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the data that was touched on in this article.

  • Drivers can save up to $160 per year just by quoting online in advance
  • Insureds who may need an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to the 250/500 level
  • Drivers age 16 to 20 are charged the highest rates, costing as high as $421 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,540 more every year than a safer driver

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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