Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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Estimated auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage. Comprehensive costs on average $214, collision costs $368, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing around $2,602. 16-year-old drivers pay the most at $4,688 a year or more.
Average premium for full coverage: $1,200
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all ATS models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac ATS go from as cheap as $510 for just liability coverage to the much higher price of $2,602 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
These rate differences show why everyone should compare prices based on a specific location and their own personal driving habits, rather than using rate 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 different risk profiles and scenarios.
- The best full coverage rate is $703
- Using higher $1,000 deductibles will save around $132 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,200
- Buying pricier low deductibles for physical damage coverage will cost $1,458
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,602 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage may cost $4,688 or more
Car insurance prices for a Cadillac ATS also have a wide range based on the model of your ATS, your driver profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Cadillac ATS insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $390 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac ATS insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
| 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
Finding better rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct carriers, and also from local insurance agents.
The next list is a review of the car insurance concepts covered in the charts and tables above.
- Drivers who have several accidents or serious violations may be required to pay an average of $1,400 more each year to buy Cadillac ATS insurance
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $400 each year
- Consumers who require increased levels of liability coverage will pay around $510 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,338 |
| $500 | $1,200 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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