Cadillac ATS Insurance Rates
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UPDATED: Mar 30, 2024
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U.S. average insurance rates for a Cadillac ATS are $1,248 a year for full coverage. Comprehensive insurance costs an estimated $230, collision costs $400, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $2,704 or more. Teen drivers pay the highest rates at $4,836 a year or more.
Average premium for full coverage: $1,248
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all ATS models.
Price Range from Low to High
For the average driver, Cadillac ATS insurance prices go from as low as $510 for just liability coverage to the much higher price of $2,704 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
The ranges above show why everyone should compare rates for a targeted area and risk profile, instead of 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.
Detailed Rate Analysis
The chart below shows estimated Cadillac ATS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $729
- Drivers who choose higher $1,000 deductibles will pay approximately $144 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,248
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $276 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,704 or more
- The price for full coverage for a teen driver for full coverage can cost as much as $4,836 a year
Insurance prices for a Cadillac ATS are also quite variable based on your driving record, the trim level of your ATS, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age
The state you live in makes a big difference in Cadillac ATS insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,780 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$118 | -9.5% |
| Alaska | $958 | -$290 | -23.2% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,194 | -$54 | -4.3% |
| Connecticut | $1,284 | $36 | 2.9% |
| Delaware | $1,414 | $166 | 13.3% |
| Florida | $1,560 | $312 | 25.0% |
| Georgia | $1,152 | -$96 | -7.7% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $846 | -$402 | -32.2% |
| Illinois | $928 | -$320 | -25.6% |
| Indiana | $938 | -$310 | -24.8% |
| Iowa | $840 | -$408 | -32.7% |
| Kansas | $1,186 | -$62 | -5.0% |
| Kentucky | $1,702 | $454 | 36.4% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $772 | -$476 | -38.1% |
| Maryland | $1,030 | -$218 | -17.5% |
| Massachusetts | $1,000 | -$248 | -19.9% |
| Michigan | $2,168 | $920 | 73.7% |
| Minnesota | $1,046 | -$202 | -16.2% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,108 | -$140 | -11.2% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $900 | -$348 | -27.9% |
| New Jersey | $1,396 | $148 | 11.9% |
| New Mexico | $1,106 | -$142 | -11.4% |
| New York | $1,316 | $68 | 5.4% |
| North Carolina | $718 | -$530 | -42.5% |
| North Dakota | $1,022 | -$226 | -18.1% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,284 | $36 | 2.9% |
| Oregon | $1,144 | -$104 | -8.3% |
| Pennsylvania | $1,190 | -$58 | -4.6% |
| Rhode Island | $1,666 | $418 | 33.5% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,092 | -$156 | -12.5% |
| Texas | $1,504 | $256 | 20.5% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $854 | -$394 | -31.6% |
| Virginia | $748 | -$500 | -40.1% |
| Washington | $968 | -$280 | -22.4% |
| West Virginia | $1,144 | -$104 | -8.3% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
Choosing high deductibles could save up to $420 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Cadillac ATS insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS | $322 | $594 | $372 | $1,446 |
| 2023 Cadillac ATS | $306 | $570 | $390 | $1,424 |
| 2022 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2021 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2020 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2019 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2018 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2017 Cadillac ATS | $240 | $446 | $456 | $1,300 |
| 2016 Cadillac ATS | $230 | $400 | $460 | $1,248 |
| 2015 Cadillac ATS | $214 | $368 | $460 | $1,200 |
| 2014 Cadillac ATS | $206 | $346 | $464 | $1,174 |
| 2013 Cadillac ATS | $202 | $322 | $474 | $1,156 |
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 Affordable Cadillac ATS Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a brief review of the primary concepts that were touched on above.
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,460 more annually to insure their ATS
- Increasing physical damage deductibles can save around $425 each year
- Teen drivers are charged the highest prices, with premiums as much as $403 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,836 |
| 20 | $2,884 |
| 30 | $1,288 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,396 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,340 |
| 100/300 | $1,455 |
| 250/500 | $1,754 |
| 100 CSL | $1,386 |
| 300 CSL | $1,639 |
| 500 CSL | $1,823 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,598 |
| 30 | $2,750 |
| 40 | $2,704 |
| 50 | $2,586 |
| 60 | $2,564 |
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 | $65 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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