Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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U.S. average auto insurance rates for a Cadillac ATS are $1,200 annually with full coverage. Comprehensive insurance costs an estimated $214 a year, collision insurance costs $368, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,602 or more. Teens pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,200

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $368
Liability $460

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and ATS trim levels.

Price Range from Low to High

For a 40-year-old driver, Cadillac ATS insurance prices range from as cheap as $510 for your basic liability-only policy to a high of $2,602 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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 Information

The chart below details average Cadillac ATS insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $703
  • Using higher $1,000 deductibles will save approximately $1,068 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,200
  • Selecting low $100 deductibles for physical damage coverage costs an additional $258 every year
  • Drivers with serious driving violations could pay up to $2,602
  • The price with full coverage for a teen driver can cost as much as $4,688 or more

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance prices range from $703 to $4,688 for full coverage

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $390 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $920 -$280 -23.3%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,148 -$52 -4.3%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,502 $302 25.2%
Georgia $1,108 -$92 -7.7%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $894 -$306 -25.5%
Indiana $904 -$296 -24.7%
Iowa $808 -$392 -32.7%
Kansas $1,142 -$58 -4.8%
Kentucky $1,638 $438 36.5%
Louisiana $1,778 $578 48.2%
Maine $742 -$458 -38.2%
Maryland $990 -$210 -17.5%
Massachusetts $962 -$238 -19.8%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,438 $238 19.8%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $946 -$254 -21.2%
Nevada $1,442 $242 20.2%
New Hampshire $866 -$334 -27.8%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $830 -$370 -30.8%
Oklahoma $1,234 $34 2.8%
Oregon $1,100 -$100 -8.3%
Pennsylvania $1,146 -$54 -4.5%
Rhode Island $1,604 $404 33.7%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,052 -$148 -12.3%
Texas $1,448 $248 20.7%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $930 -$270 -22.5%
West Virginia $1,100 -$100 -8.3%
Wisconsin $830 -$370 -30.8%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Cadillac ATS insurance rates by U.S. city
Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS $306 $570 $390 $1,424
2023 Cadillac ATS $294 $566 $398 $1,416
2022 Cadillac ATS $284 $552 $416 $1,410
2021 Cadillac ATS $274 $530 $430 $1,392
2020 Cadillac ATS $260 $512 $442 $1,372
2019 Cadillac ATS $250 $474 $452 $1,334
2018 Cadillac ATS $240 $446 $456 $1,300
2017 Cadillac ATS $230 $400 $460 $1,248
2016 Cadillac ATS $214 $368 $460 $1,200
2015 Cadillac ATS $206 $346 $464 $1,174
2014 Cadillac ATS $202 $322 $474 $1,156
2013 Cadillac ATS $186 $300 $474 $1,118

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 the Best Cheap Cadillac ATS Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick review of the coverage data illustrated above.

  • You may be able to save approximately $140 per year just by quoting early and online
  • Increasing physical damage deductibles could save up to $400 each year
  • Drivers under the age of 20 are charged the highest prices, costing up to $391 a month including comprehensive and collision insurance
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,400 more annually to insure a Cadillac ATS

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $4,688
20 $2,774
30 $1,236
40 $1,200
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $6,646
20 $4,422
30 $2,642
40 $2,602
50 $2,488
60 $2,466

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $497
Rate after discounts $703

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

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