Cadillac ATS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Cadillac ATS are $1,200 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $214 a year, collision insurance costs $368, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,602 or more. 16-year-old drivers pay the highest rates at up to $4,688 a year.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and ATS trim levels.
Price Range from Low to High
For a driver in their 40's, Cadillac ATS insurance prices range from the cheapest price of $510 for just liability coverage to a high of $2,602 for a high-risk driver policy.
Geographic Price Range
Your location has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, 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 illustrates average Cadillac ATS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $703
- Drivers who choose higher $1,000 deductibles will pay $1,068 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,200
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $258 each year
- High-risk insureds with multiple tickets or accidents could pay around $2,602
- The price to insure a teenage driver can cost $4,688 a year
Car insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your risk profile, and the model of your ATS.
Opting for high physical damage deductibles could save up to $390 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for the Best Cheap Cadillac ATS Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a quick review of the information covered in the charts and tables above.
- It is possible to save around $140 per year just by quoting early and online
- Teens pay the highest auto insurance prices, as much as $391 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers with a DUI or reckless driving violation may have to pay on average $1,400 more per year for ATS insurance
- Consumers who purchase higher liability limits will pay around $510 annually to go from a low limit to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
