Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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UPDATED: May 18, 2024
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U.S. average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually with full coverage. Comprehensive costs an estimated $250 a year, 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 around $2,852. 16-year-old drivers pay the highest rates at $5,046 a year or more.
Average premium for full coverage: $1,314
Price estimates broken down by individual coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and ATS Coupe trim levels.
Price Range from Low to High
For a driver in their 40's, Cadillac ATS Coupe insurance prices go from as cheap as $510 for your basic liability-only policy to a high of $2,852 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate 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 details estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The best full coverage rate is $762
- Using higher $1,000 deductibles will save approximately $1,156 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,314
- Buying low $100 deductibles for physical damage coverage will cost $1,622
- High-risk insureds with multiple tickets or accidents could pay up to $2,852 or more
- The price with full coverage for a 16-year-old driver can cost as much as $5,046 or more
Insurance prices for a Cadillac ATS Coupe are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $470 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,780 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different 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 Right Cadillac ATS Coupe Insurance
Getting lower rates on insurance for a Cadillac ATS Coupe requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the data covered in the charts and tables above.
- Insureds who want increased liability limits will pay around $510 every year to increase from a low limit to higher 250/500 limits
- You may be able to save approximately $160 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $475 each year
- Drivers under the age of 20 are expensive to insure, costing up to $421 a month if they have full coverage
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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