Cadillac ATS Coupe Insurance Rates

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UPDATED: May 18, 2024

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U.S. average insurance rates for a Cadillac ATS Coupe are $1,314 a year for full coverage. Comprehensive costs on average $250, collision costs $446, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,852. Teenage drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates by individual coverage:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different ATS Coupe trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac ATS Coupe insurance prices go from the low end price of $510 for your basic liability-only policy to a much higher rate of $2,852 for a driver who requires high-risk insurance.

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

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

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

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location, rather than relying 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.

More Rate Information

The chart below shows estimated Cadillac ATS Coupe insurance rates for different risk profiles and scenarios.

  • The best discount rate is $762
  • Using higher $1,000 deductibles will save around $158 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,314
  • Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,622
  • Drivers who are prone to accidents and violations could pay upwards of $2,852 or more
  • The price that insures a teen driver with full coverage may cost $5,046 or more

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing full coverage Cadillac ATS Coupe insurance rates range from $762 to $5,046

Car insurance prices for a Cadillac ATS Coupe are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Cadillac ATS Coupe insurance rates. A driver around age 40 might see prices 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 prices by as much as $470 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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

Getting lower rates on Cadillac ATS Coupe insurance requires being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a summary of the concepts that were touched on in the above illustrations.

  • High-risk drivers who have multiple accidents or major violations may pay on average $1,540 more each year to insure their ATS Coupe
  • Teen drivers are expensive to insure, with premiums as much as $421 a month if full coverage is purchased
  • Drivers can save as much as $160 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $475 each year
  • Drivers can save as much as $160 per year simply by shopping early and online

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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