Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive costs around $250 each year, collision costs $446, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,852. Teens receive the highest rates at $5,046 a year or more.
Average premium for full coverage: $1,314
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and ATS Coupe models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $510 for minimum levels of liability insurance to a high rate of $2,852 for coverage for higher-risk drivers.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on averaged prices.
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 details estimated Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $762
- Using higher $1,000 deductibles will save about $158 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,314
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,622
- High-risk insureds with serious driving violations could pay at least $2,852 or more
- The cost that insures a 16-year-old driver can be $5,046 or more
Car insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations 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 will be charged 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 $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly different.
| 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 Low Cost Cadillac ATS Coupe Insurance
Saving money on insurance for a Cadillac ATS Coupe requires being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a review of the primary concepts that were touched on in this article.
- You may be able to save up to $160 per year simply by quoting online in advance
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,540 more every year than a low-risk driver
- Increasing deductibles can save approximately $475 each year
- Youthful drivers are the costliest to insure, with premiums as much as $421 per month if full coverage is purchased
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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