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 $1,604 annually for full coverage insurance. Comprehensive costs on average $332, collision costs $658, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $3,492. Teenage drivers cost the most to insure at $5,972 a year or more.
Average premium for full coverage: $1,604
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different ATS-V trim levels.
Price Range Variability
For a driver around age 40, Cadillac ATS-V insurance rates go from as cheap as $508 for basic liability insurance to a much higher rate of $3,492 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below illustrates estimated Cadillac ATS-V insurance rates for different risk profiles and scenarios.
- The best discount rate is $904
- Choosing higher $1,000 deductibles can save around $226 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,604
- Using more expensive low deductibles for comp and collision coverage will cost $2,042
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,492 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $5,972 each year
Auto insurance rates for a Cadillac ATS-V also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $670 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac ATS-V insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Buy Cheaper Cadillac ATS-V Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the concepts that were covered above.
- Higher risk drivers with multiple at-fault accidents may pay on average $1,890 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, possibly costing $498 each month if full coverage is included
- It is possible to save as much as $200 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $675 each year
- It is possible to save as much as $200 per year simply by shopping early and online
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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