Cadillac ATS Insurance Rates

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Karen Condor

Insurance and Finance Writer

Karen Condor is an insurance and finance writer who has degrees in both journalism and communications. She began her career as a reporter covering local and state affairs. Her extensive experience includes management positions in newspapers, magazines, newsletters, and online marketing content. She has utilized her researching, writing, and communications talents in the areas of human resources...

Insurance and Finance Writer

UPDATED: Feb 24, 2023

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U.S. average auto insurance rates for a Cadillac ATS are $1,300 annually with full coverage. Comprehensive costs around $240, collision costs $446, and liability coverage is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,826. Teen drivers pay the highest rates at $5,010 a year or more.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Comprehensive $240
Collision $446
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all ATS models.

Price Range from Low to High

Using a 40-year-old driver as an example, Cadillac ATS insurance prices go from as cheap as $508 for the bare minimum liability coverage to the much higher price of $2,826 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,300
High Risk $2,826

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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.

Additional Rate Information

The chart below details estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $752
  • Raising to $1,000 deductibles will save about $156 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,300
  • Choosing pricier low deductibles will cost $1,604
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,826 or more
  • The price with full coverage for a teenage driver for full coverage can be $5,010

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing full coverage Cadillac ATS insurance rates range from $752 to $5,010

Car insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. Cadillac ATS insurance for high-risk drivers is expensive and can cost around 44% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $460 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Cadillac ATS insurance rates. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$124 -9.5%
Alaska $998 -$302 -23.2%
Arizona $1,078 -$222 -17.1%
Arkansas $1,300 -$0 0.0%
California $1,482 $182 14.0%
Colorado $1,242 -$58 -4.5%
Connecticut $1,336 $36 2.8%
Delaware $1,472 $172 13.2%
Florida $1,628 $328 25.2%
Georgia $1,200 -$100 -7.7%
Hawaii $934 -$366 -28.2%
Idaho $878 -$422 -32.5%
Illinois $968 -$332 -25.5%
Indiana $978 -$322 -24.8%
Iowa $878 -$422 -32.5%
Kansas $1,236 -$64 -4.9%
Kentucky $1,774 $474 36.5%
Louisiana $1,924 $624 48.0%
Maine $804 -$496 -38.2%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,040 -$260 -20.0%
Michigan $2,260 $960 73.8%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,556 $256 19.7%
Missouri $1,152 -$148 -11.4%
Montana $1,398 $98 7.5%
Nebraska $1,024 -$276 -21.2%
Nevada $1,558 $258 19.8%
New Hampshire $936 -$364 -28.0%
New Jersey $1,454 $154 11.8%
New Mexico $1,152 -$148 -11.4%
New York $1,370 $70 5.4%
North Carolina $750 -$550 -42.3%
North Dakota $1,064 -$236 -18.2%
Ohio $898 -$402 -30.9%
Oklahoma $1,336 $36 2.8%
Oregon $1,192 -$108 -8.3%
Pennsylvania $1,240 -$60 -4.6%
Rhode Island $1,736 $436 33.5%
South Carolina $1,176 -$124 -9.5%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,138 -$162 -12.5%
Texas $1,566 $266 20.5%
Utah $964 -$336 -25.8%
Vermont $892 -$408 -31.4%
Virginia $780 -$520 -40.0%
Washington $1,004 -$296 -22.8%
West Virginia $1,192 -$108 -8.3%
Wisconsin $902 -$398 -30.6%
Wyoming $1,160 -$140 -10.8%

View Chart as Image

Cadillac ATS insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Cadillac ATS $240 $446 $456 $1,300
2015 Cadillac ATS $230 $400 $460 $1,248
2013 Cadillac ATS $206 $346 $464 $1,174

Rates are averaged for all Cadillac ATS 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 More Affordable Cadillac ATS Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the ideas that were raised in the charts and tables above.

  • Teenagers are the costliest to insure, costing up to $418 a month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations may pay on average $1,530 more every year for car insurance
  • Increasing physical damage deductibles could save up to $450 each year
  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $5,010
20 $3,016
30 $1,344
40 $1,300
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,604
$250 $1,462
$500 $1,300
$1,000 $1,144

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,391
100/300 $1,505
250/500 $1,802
100 CSL $1,437
300 CSL $1,688
500 CSL $1,870

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $7,128
20 $4,808
30 $2,874
40 $2,826
50 $2,702
60 $2,678

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.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $63
Online Quote $91
Total Discounts $548
Rate after discounts $752

Discounts are estimated and may not be available from every company or in every state.

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