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 $1,370 annually for full coverage insurance. Comprehensive costs approximately $268 each year, collision insurance costs $484, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,976. 16-year-old drivers cost the most to insure at up to $5,224 a year.
Average premium for full coverage: $1,370
Policy rates by type of insurance:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and ATS Coupe models.
Price Range Variability
For a driver in their 40's, Cadillac ATS Coupe insurance rates range from as cheap as $510 for a discount liability-only rate to a high rate of $2,976 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying 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.
Rates by State, City, and Model
The chart below illustrates average Cadillac ATS Coupe insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Drivers who choose higher $1,000 deductibles will pay $170 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,370
- Buying low deductibles for comprehensive and collision insurance will cost $1,704
- High risk drivers with multiple tickets or accidents could pay around $2,976
- Policy cost with full coverage for a teen driver can cost $5,224 a year
Insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 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 anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac ATS Coupe insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2023 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2022 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2021 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2020 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2019 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2018 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2017 Cadillac ATS Coupe | $268 | $484 | $460 | $1,370 |
| 2015 Cadillac ATS Coupe | $242 | $418 | $464 | $1,282 |
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 Cheap Cadillac ATS Coupe Insurance
Finding cheaper rates on Cadillac ATS Coupe insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and possibly raising deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the ideas that were covered in the charts and tables above.
- Teens are expensive to insure, possibly costing $435 each month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more per year for ATS Coupe insurance
- Increasing comprehensive and collision deductibles could save up to $500 each year
- It is possible to save around $160 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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