Cadillac ATS Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,604 |
| $250 | $1,462 |
| $500 | $1,300 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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