Cadillac ATS Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs around $214, collision costs $368, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,602. Teens cost the most to insure at $4,688 a year or more.

Average premium for full coverage: $1,200

Policy rates for type of insurance:

Comprehensive $214
Collision $368
Liability $460

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all ATS models.

Price Range Variability

Using a middle-aged driver as an example, Cadillac ATS insurance rates go from as low as $510 for just liability insurance to the much higher price of $2,602 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

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

The examples above illustrate why everyone should get quotes for a specific zip code and risk profile, rather than relying on 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 Details

The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $703
  • Choosing higher $1,000 deductibles can save about $132 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,200
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,458
  • High-risk insureds with serious driving violations could pay at least $2,602 or more
  • Policy cost for full coverage for a teen driver for full coverage can be $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 rates for a Cadillac ATS also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. Cadillac ATS insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

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 Find the Best Cadillac ATS Insurance

Finding cheaper rates on Cadillac ATS insurance takes being safe and accident-free, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the primary concepts that were touched on in the above illustrations.

  • It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers who tend to receive serious violations may pay on average $1,400 more every year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • Youthful drivers are charged the highest rates, possibly costing $391 each month including comprehensive and collision insurance

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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