Cadillac ATS-V Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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The average insurance rates for a Cadillac ATS-V are $1,526 a year including full coverage. Comprehensive insurance costs approximately $318, collision insurance costs $590, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $3,314 or more. 16-year-old drivers cost the most to insure at up to $5,706 a year.
Average premium for full coverage: $1,526
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different ATS-V trim levels.
Price Range Variability
For a driver around age 40, Cadillac ATS-V insurance rates range from the low end price of $510 for minimum levels of liability insurance to a much higher rate of $3,314 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates using their specific location, 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.
Additional Rate Details
The chart below breaks down average Cadillac ATS-V insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $869
- Drivers who choose higher $1,000 deductibles will pay $206 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,526
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $398 a year
- High risk drivers with multiple tickets or accidents could pay around $3,314
- Policy cost that insures a teen driver with full coverage can cost $5,706 a year
Insurance rates for a Cadillac ATS-V also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
Your home state makes a big difference in Cadillac ATS-V insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,378 | -$148 | -9.7% |
| Alaska | $1,170 | -$356 | -23.3% |
| Arizona | $1,268 | -$258 | -16.9% |
| Arkansas | $1,526 | -$0 | 0.0% |
| California | $1,738 | $212 | 13.9% |
| Colorado | $1,458 | -$68 | -4.5% |
| Connecticut | $1,568 | $42 | 2.8% |
| Delaware | $1,726 | $200 | 13.1% |
| Florida | $1,906 | $380 | 24.9% |
| Georgia | $1,408 | -$118 | -7.7% |
| Hawaii | $1,096 | -$430 | -28.2% |
| Idaho | $1,032 | -$494 | -32.4% |
| Illinois | $1,136 | -$390 | -25.6% |
| Indiana | $1,148 | -$378 | -24.8% |
| Iowa | $1,028 | -$498 | -32.6% |
| Kansas | $1,450 | -$76 | -5.0% |
| Kentucky | $2,080 | $554 | 36.3% |
| Louisiana | $2,258 | $732 | 48.0% |
| Maine | $942 | -$584 | -38.3% |
| Maryland | $1,258 | -$268 | -17.6% |
| Massachusetts | $1,222 | -$304 | -19.9% |
| Michigan | $2,648 | $1,122 | 73.5% |
| Minnesota | $1,278 | -$248 | -16.3% |
| Mississippi | $1,826 | $300 | 19.7% |
| Missouri | $1,354 | -$172 | -11.3% |
| Montana | $1,638 | $112 | 7.3% |
| Nebraska | $1,202 | -$324 | -21.2% |
| Nevada | $1,830 | $304 | 19.9% |
| New Hampshire | $1,098 | -$428 | -28.0% |
| New Jersey | $1,704 | $178 | 11.7% |
| New Mexico | $1,350 | -$176 | -11.5% |
| New York | $1,606 | $80 | 5.2% |
| North Carolina | $878 | -$648 | -42.5% |
| North Dakota | $1,248 | -$278 | -18.2% |
| Ohio | $1,052 | -$474 | -31.1% |
| Oklahoma | $1,568 | $42 | 2.8% |
| Oregon | $1,396 | -$130 | -8.5% |
| Pennsylvania | $1,454 | -$72 | -4.7% |
| Rhode Island | $2,036 | $510 | 33.4% |
| South Carolina | $1,382 | -$144 | -9.4% |
| South Dakota | $1,288 | -$238 | -15.6% |
| Tennessee | $1,336 | -$190 | -12.5% |
| Texas | $1,838 | $312 | 20.4% |
| Utah | $1,128 | -$398 | -26.1% |
| Vermont | $1,044 | -$482 | -31.6% |
| Virginia | $914 | -$612 | -40.1% |
| Washington | $1,180 | -$346 | -22.7% |
| West Virginia | $1,396 | -$130 | -8.5% |
| Wisconsin | $1,056 | -$470 | -30.8% |
| Wyoming | $1,360 | -$166 | -10.9% |
Opting for high physical damage deductibles could save up to $610 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS-V | $406 | $834 | $398 | $1,796 |
| 2023 Cadillac ATS-V | $394 | $814 | $416 | $1,782 |
| 2022 Cadillac ATS-V | $380 | $780 | $430 | $1,748 |
| 2021 Cadillac ATS-V | $358 | $752 | $442 | $1,710 |
| 2020 Cadillac ATS-V | $344 | $698 | $452 | $1,652 |
| 2019 Cadillac ATS-V | $332 | $658 | $456 | $1,604 |
| 2018 Cadillac ATS-V | $318 | $590 | $460 | $1,526 |
| 2017 Cadillac ATS-V | $296 | $542 | $460 | $1,456 |
Rates are averaged for all Cadillac ATS-V 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 Affordable Cadillac ATS-V Insurance
Finding cheaper rates on Cadillac ATS-V insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The following list is a brief review of the coverage data covered above.
- You may be able to save around $190 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $600 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $476 each month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,790 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,706 |
| 20 | $3,530 |
| 30 | $1,590 |
| 40 | $1,526 |
| 50 | $1,392 |
| 60 | $1,366 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,924 |
| $250 | $1,740 |
| $500 | $1,526 |
| $1,000 | $1,320 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,526 |
| 50/100 | $1,618 |
| 100/300 | $1,733 |
| 250/500 | $2,032 |
| 100 CSL | $1,664 |
| 300 CSL | $1,917 |
| 500 CSL | $2,101 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,156 |
| 20 | $5,626 |
| 30 | $3,386 |
| 40 | $3,314 |
| 50 | $3,164 |
| 60 | $3,138 |
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 | $82 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $77 |
| Online Quote | $109 |
| Total Discounts | $657 |
Discounts are estimated and may not be available from every company or in every state.
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