Cadillac ATS Coupe Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 18, 2024

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The average insurance rates for a Cadillac ATS Coupe are $1,434 a year for full coverage. Comprehensive costs an estimated $280, collision costs $540, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $3,122. Teenage drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,434

Policy rates broken down by type of insurance:

Comprehensive $280
Collision $540
Liability $456

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different ATS Coupe trim levels.

Price Range Variability

Using a middle-aged driver as an example, Cadillac ATS Coupe insurance rates go from as low as $508 for a discount liability-only rate to a much higher rate of $3,122 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,434
High Risk $3,122

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

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

Rural Areas $1,076
Small Cities $1,506
Large Cities $1,936

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below shows estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.

  • The best discount rate is $819
  • Drivers who choose higher $1,000 deductibles will pay approximately $186 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,434
  • Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,798
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,122 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,438 a year

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing full coverage Cadillac ATS Coupe insurance rates range from $819 to $5,438

Auto insurance rates for a Cadillac ATS Coupe also range considerably based on your risk profile, the trim level of your ATS Coupe, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,050 on average in New York, Louisiana, and Michigan.

Cadillac ATS Coupe Insurance Rates by State
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%

View Chart as Image

Cadillac ATS Coupe insurance rates by U.S. city

Using high physical damage deductibles could save up to $550 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

Cadillac ATS Coupe Insurance Rates by Model Year
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 Low Cost Cadillac ATS Coupe Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the information touched on in the above illustrations.

  • Drivers can save approximately $170 per year simply by shopping early and online
  • Youthful drivers are the costliest to insure, costing up to $453 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • Higher risk drivers who have several accidents or serious violations pay an average of $1,690 more annually than a low-risk driver
  • Policyholders who want more liability protection will pay an extra $500 each year to go from a 30/60 limit to 250/500 limits

Rates by Driver Age

Cadillac ATS Coupe Insurance 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

Cadillac ATS Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,798
$250 $1,628
$500 $1,434
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Coupe Insurance Rates with Different Liability Limits
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

Cadillac ATS Coupe Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $819

Discounts are estimated and may not be available from every company or in every state.

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