Cadillac ATS-V Insurance Rates
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Cadillac ATS-V are $1,526 annually for full coverage. Comprehensive insurance costs around $318, collision costs $590, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $3,314 or more. Teens cost the most to insure at $5,706 a year or more.
Average premium for full coverage: $1,526
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all ATS-V models.
Price Range Variability
For the normal driver, Cadillac ATS-V insurance rates go from as cheap as $510 for minimum levels of liability insurance to the much higher price of $3,314 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion.
The example below illustrates how geographic area affects auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.
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 shows estimated Cadillac ATS-V insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $869
- Choosing higher $1,000 deductibles can save about $206 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,526
- Selecting pricier low deductibles for comp and collision coverage costs an additional $398 each year
- Drivers with serious driving violations could pay at least $3,314 or more
- Policy cost with full coverage for a teenage driver for full coverage can be $5,706 each year
Insurance rates for a Cadillac ATS-V also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. Cadillac ATS-V insurance for high-risk drivers ranges around 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac ATS-V insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,180 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so the rates will be varied between companies.
| 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 Buy Cheap Cadillac ATS-V Insurance
Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a brief summary of the data that was presented in the illustrations above.
- Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
- Consumers who may need additional liability coverage will pay approximately $510 each year to raise limits from a 30/60 limit to higher 250/500 limits
- 16 to 18-year-old drivers pay higher rates, costing up to $476 each month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations pay an average of $1,790 more every year than a driver with a clean driving record
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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