Cadillac ATS Coupe Insurance Rates
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UPDATED: May 18, 2024
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Estimated insurance rates for a Cadillac ATS Coupe are $1,434 a year for full coverage. Comprehensive costs on average $280 a year, collision insurance costs $540, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,122. 16-year-old drivers pay the most at up to $5,438 a year.
Average premium for full coverage: $1,434
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and ATS Coupe trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Cadillac ATS Coupe range from as low as $508 for your basic liability-only policy to a high of $3,122 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.
These rate differences show why it is important to compare rates based on a specific location and risk profile, 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 shows average Cadillac ATS Coupe insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $819
- Drivers who choose higher $1,000 deductibles will pay around $1,248 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,434
- Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,798
- Drivers with multiple tickets or accidents could pay upwards of $3,122
- An auto insurance policy for full coverage for a 16-year-old driver may cost $5,438 a year
Auto insurance prices for a Cadillac ATS Coupe also have a wide range based on your driving characteristics, the trim level of your ATS Coupe, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac ATS Coupe insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or at least $2,050 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
Opting for high physical damage deductibles could save up to $550 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2015 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
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 Cheaper Cadillac ATS Coupe Insurance
Finding better rates on insurance for a Cadillac ATS Coupe not only requires being a low-risk driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The items below are a condensed summary of the ideas that were presented in the illustrations above.
- Teen drivers are charged the highest prices, as much as $453 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents will pay on average $1,690 more each year to insure their ATS Coupe
- Increasing policy deductibles can save around $550 each year
- Drivers can save as much as $170 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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