Cadillac ATS Insurance Rates
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UPDATED: Jun 5, 2023
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The average auto insurance rates for a Cadillac ATS are $1,200 annually including full coverage. Comprehensive insurance costs on average $214, collision costs $368, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,602 or more. Teen drivers cost the most to insure at $4,688 a year or more.
Average premium for full coverage: $1,200
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different ATS trim levels.
Price Range Variability
For the normal driver, Cadillac ATS insurance rates go from as cheap as $510 for just liability insurance to a much higher rate of $2,602 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, 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.
More Rate Details
The chart below breaks down estimated Cadillac ATS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $703
- Using higher $1,000 deductibles will save around $132 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,200
- Choosing more expensive low deductibles for physical damage coverage costs an additional $258 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,602 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $4,688 or more
Auto insurance rates for a Cadillac ATS also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $390 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied 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 Affordable Cadillac ATS Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief review of the material that was presented in the illustrations above.
- Policyholders who require more liability coverage will pay about $510 per year to increase from a 30/60 limit to higher 250/500 limits
- Teen drivers are charged the highest rates, with premiums being up to $391 each month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,400 more each year to insure their ATS
- Increasing comprehensive and collision deductibles could save up to $400 each year
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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