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 for full coverage. Comprehensive costs on average $214 each year, collision costs $368, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,602. Teen drivers pay the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Comprehensive $214
Collision $368
Liability $460

Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and ATS models.

Price Range from Low to High

For a driver around age 40, Cadillac ATS insurance prices go from as cheap as $510 for basic liability insurance to a high rate of $2,602 for high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

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

The ranges above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.

Rate Comparisons

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

  • The lowest rate with discounts is $703
  • Choosing higher $1,000 deductibles can save around $132 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,200
  • Choosing low deductibles for comp and collision coverage will cost $1,458
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,602 or more
  • The price with full coverage for a 16-year-old driver may cost $4,688 each year

View Chart as Image

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

Insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $390 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Cadillac ATS insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$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

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different between companies.

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 Low Cost Cadillac ATS Insurance

Getting lower rates on insurance for a Cadillac ATS takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a review of the material that was covered above.

  • Insureds who require higher levels of liability will pay about $510 each year to raise limits from a low limit to higher 250/500 limits
  • Teenage drivers pay higher prices, with premiums as much as $391 a month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,400 more each year for auto insurance
  • Increasing physical damage deductibles could save up to $400 each year

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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