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 with full coverage. Comprehensive costs an estimated $268 each year, collision costs $484, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,976. Teen drivers cost the most to insure at $5,224 a year or more.
Average premium for full coverage: $1,370
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and ATS Coupe models.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac ATS Coupe insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,976 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using price 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.
Additional Rate Analysis
The chart below details estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $790
- Choosing higher $1,000 deductibles can save approximately $170 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,370
- Choosing low deductibles for comp and collision coverage will cost $1,704
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,976 or more
- Policy cost with full coverage for a teen driver can cost as much as $5,224 each year
Insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 may be forking out $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $510 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,850 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| 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 the Cheapest Cadillac ATS Coupe Insurance
Finding cheaper rates on car insurance takes being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a recap of the data raised in the charts and tables above.
- Policyholders who want an increased level of liability coverage will pay about $510 every year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $160 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $500 each year
- Drivers age 16 to 20 are expensive to insure, as much as $435 each month if they have full coverage
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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