Cadillac ATS-V Insurance Rates
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UPDATED: Mar 30, 2024
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Average insurance rates for a Cadillac ATS-V are $1,604 a year including full coverage. Comprehensive costs around $332, collision costs $658, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing around $3,492. Teen drivers receive the highest rates at $5,972 a year or more.
Average premium for full coverage: $1,604
Rate estimates for individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all ATS-V models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $508 for a discount liability-only rate to the much higher price of $3,492 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why everyone should compare rates for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac ATS-V insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $904
- Drivers who choose higher $1,000 deductibles will pay about $226 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,604
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,042
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,492 or more
- The cost for full coverage for a teen driver for full coverage can be $5,972 a year
Insurance rates for a Cadillac ATS-V can also vary considerably based on your driver profile, the model of your ATS-V, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
Where you live makes a big difference in Cadillac ATS-V insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,290 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,450 | -$154 | -9.6% |
| Alaska | $1,230 | -$374 | -23.3% |
| Arizona | $1,330 | -$274 | -17.1% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,532 | -$72 | -4.5% |
| Connecticut | $1,648 | $44 | 2.7% |
| Delaware | $1,814 | $210 | 13.1% |
| Florida | $2,006 | $402 | 25.1% |
| Georgia | $1,480 | -$124 | -7.7% |
| Hawaii | $1,152 | -$452 | -28.2% |
| Idaho | $1,084 | -$520 | -32.4% |
| Illinois | $1,194 | -$410 | -25.6% |
| Indiana | $1,208 | -$396 | -24.7% |
| Iowa | $1,082 | -$522 | -32.5% |
| Kansas | $1,522 | -$82 | -5.1% |
| Kentucky | $2,186 | $582 | 36.3% |
| Louisiana | $2,372 | $768 | 47.9% |
| Maine | $990 | -$614 | -38.3% |
| Maryland | $1,322 | -$282 | -17.6% |
| Massachusetts | $1,282 | -$322 | -20.1% |
| Michigan | $2,784 | $1,180 | 73.6% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,920 | $316 | 19.7% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,722 | $118 | 7.4% |
| Nebraska | $1,262 | -$342 | -21.3% |
| Nevada | $1,920 | $316 | 19.7% |
| New Hampshire | $1,154 | -$450 | -28.1% |
| New Jersey | $1,790 | $186 | 11.6% |
| New Mexico | $1,420 | -$184 | -11.5% |
| New York | $1,688 | $84 | 5.2% |
| North Carolina | $922 | -$682 | -42.5% |
| North Dakota | $1,310 | -$294 | -18.3% |
| Ohio | $1,106 | -$498 | -31.0% |
| Oklahoma | $1,646 | $42 | 2.6% |
| Oregon | $1,468 | -$136 | -8.5% |
| Pennsylvania | $1,528 | -$76 | -4.7% |
| Rhode Island | $2,138 | $534 | 33.3% |
| South Carolina | $1,452 | -$152 | -9.5% |
| South Dakota | $1,352 | -$252 | -15.7% |
| Tennessee | $1,404 | -$200 | -12.5% |
| Texas | $1,930 | $326 | 20.3% |
| Utah | $1,186 | -$418 | -26.1% |
| Vermont | $1,098 | -$506 | -31.5% |
| Virginia | $960 | -$644 | -40.1% |
| Washington | $1,240 | -$364 | -22.7% |
| West Virginia | $1,468 | -$136 | -8.5% |
| Wisconsin | $1,112 | -$492 | -30.7% |
| Wyoming | $1,428 | -$176 | -11.0% |
Choosing high deductibles could save up to $670 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,900 to $2,600 additional per year, depending on your age. Cadillac ATS-V insurance for high-risk drivers can cost as much as 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS-V | $424 | $840 | $390 | $1,812 |
| 2023 Cadillac ATS-V | $406 | $834 | $398 | $1,796 |
| 2022 Cadillac ATS-V | $394 | $814 | $416 | $1,782 |
| 2021 Cadillac ATS-V | $380 | $780 | $430 | $1,748 |
| 2020 Cadillac ATS-V | $358 | $752 | $442 | $1,710 |
| 2019 Cadillac ATS-V | $344 | $698 | $452 | $1,652 |
| 2018 Cadillac ATS-V | $332 | $658 | $456 | $1,604 |
| 2017 Cadillac ATS-V | $318 | $590 | $460 | $1,526 |
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
Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a brief review of the data that was raised in the charts and tables above.
- You may be able to save up to $200 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need additional liability coverage will pay about $500 per year to go from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, as much as $498 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,890 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,972 |
| 20 | $3,726 |
| 30 | $1,674 |
| 40 | $1,604 |
| 50 | $1,464 |
| 60 | $1,438 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,604 |
| $1,000 | $1,378 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,695 |
| 100/300 | $1,809 |
| 250/500 | $2,106 |
| 100 CSL | $1,741 |
| 300 CSL | $1,992 |
| 500 CSL | $2,174 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,550 |
| 20 | $5,942 |
| 30 | $3,572 |
| 40 | $3,492 |
| 50 | $3,338 |
| 60 | $3,310 |
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 | $87 |
| Multi-vehicle | $86 |
| Homeowner | $24 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $116 |
| Total Discounts | $700 |
Discounts are estimated and may not be available from every company or in every state.
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