Cadillac ATS Insurance Rates

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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...

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Written by Karen Condor
Insurance and Finance Writer Karen Condor

UPDATED: Feb 24, 2023

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Average insurance rates for a Cadillac ATS are $1,300 a year for full coverage. Comprehensive costs on average $240 a year, collision costs $446, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,826. Teen drivers receive the highest rates at $5,010 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Comprehensive $240
Collision $446
Liability $456

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and ATS trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $508 for only liability insurance to a high of $2,826 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Cadillac ATS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $752
  • Drivers who choose higher $1,000 deductibles will pay around $1,144 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,300
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,604
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,826 or more
  • The cost for full coverage for a teen driver may cost $5,010 a year

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

for a Cadillac ATS can also vary considerably based on your driver profile, the trim level of your ATS, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,860 on average in Michigan, Louisiana, 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

Choosing high deductibles could save up to $460 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 Find Cheaper Cadillac ATS Insurance

Saving money on Cadillac ATS insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $450 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $418 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,530 more each year for insurance

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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