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 for full coverage. Comprehensive insurance costs an estimated $332, collision costs $658, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,492 or more. 16-year-old drivers receive the highest rates at $5,972 a year or more.
Average premium for full coverage: $1,604
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all ATS-V models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $508 for just liability insurance to the much higher price of $3,492 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These examples show why everyone should compare rates quotes for a targeted area and risk profile, 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.
More Rate Details
The chart below shows estimated Cadillac ATS-V insurance rates for other coverage scenarios.
- The best full coverage rate is $904
- Raising to $1,000 deductibles will save approximately $226 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,604
- Buying pricier low deductibles will cost an extra $438 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,492 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $5,972
Auto insurance rates for a Cadillac ATS-V can also vary considerably based on your driver profile, the trim level of your ATS-V, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,900 a year. View Rates by Age
Where you live also has a big influence on Cadillac ATS-V insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $670 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,600 in extra premium per year, depending on your age. Cadillac ATS-V insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted 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 the Cheapest Cadillac ATS-V Insurance
Saving money on Cadillac ATS-V insurance consists of avoiding accidents and claims, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The points below are a recap of the concepts that were presented in the illustrations above.
- High-risk drivers that have major violations or accidents pay an average of $1,890 more annually to insure a Cadillac ATS-V
- Drivers under the age of 20 are the costliest to insure, costing as high as $498 per month if they have full coverage
- Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $675 each year
- Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
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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