Cadillac ATS Insurance Rates

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UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Cadillac ATS are $1,174 a year for full coverage. Comprehensive insurance costs around $206, collision insurance costs $346, and liability insurance costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs $2,546 or more. Teens pay the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Comprehensive $206
Collision $346
Liability $464

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all ATS models.

Price Range from Low to High

For the normal driver, Cadillac ATS insurance prices range from the low end price of $514 for just liability coverage to the much higher price of $2,546 for a high-risk driver policy.

Liability Only $514
Full Coverage $1,174
High Risk $2,546

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The ranges above show why everyone should compare rates for a specific zip code, 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.

Detailed Rate Analysis

The chart below shows average Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $693
  • Drivers who choose higher $1,000 deductibles will pay about $124 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,174
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $244 a year
  • High risk drivers with serious driving violations could pay at least $2,546
  • The price that insures a teen driver for full coverage can be $4,606 a year

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance prices range from $693 to $4,606 for full coverage

Auto insurance prices for a Cadillac ATS are also quite variable based on the model of your ATS, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Cadillac ATS insurance for high-risk drivers can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

The state you live in makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,680 on average in Michigan, Louisiana, and New York.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $900 -$274 -23.3%
Arizona $976 -$198 -16.9%
Arkansas $1,174 -$0 0.0%
California $1,340 $166 14.1%
Colorado $1,124 -$50 -4.3%
Connecticut $1,208 $34 2.9%
Delaware $1,330 $156 13.3%
Florida $1,470 $296 25.2%
Georgia $1,084 -$90 -7.7%
Hawaii $844 -$330 -28.1%
Idaho $794 -$380 -32.4%
Illinois $876 -$298 -25.4%
Indiana $884 -$290 -24.7%
Iowa $794 -$380 -32.4%
Kansas $1,116 -$58 -4.9%
Kentucky $1,604 $430 36.6%
Louisiana $1,740 $566 48.2%
Maine $726 -$448 -38.2%
Maryland $968 -$206 -17.5%
Massachusetts $942 -$232 -19.8%
Michigan $2,042 $868 73.9%
Minnesota $984 -$190 -16.2%
Mississippi $1,408 $234 19.9%
Missouri $1,042 -$132 -11.2%
Montana $1,262 $88 7.5%
Nebraska $928 -$246 -21.0%
Nevada $1,408 $234 19.9%
New Hampshire $846 -$328 -27.9%
New Jersey $1,314 $140 11.9%
New Mexico $1,042 -$132 -11.2%
New York $1,238 $64 5.5%
North Carolina $678 -$496 -42.2%
North Dakota $962 -$212 -18.1%
Ohio $810 -$364 -31.0%
Oklahoma $1,206 $32 2.7%
Oregon $1,076 -$98 -8.3%
Pennsylvania $1,122 -$52 -4.4%
Rhode Island $1,568 $394 33.6%
South Carolina $1,064 -$110 -9.4%
South Dakota $992 -$182 -15.5%
Tennessee $1,030 -$144 -12.3%
Texas $1,418 $244 20.8%
Utah $872 -$302 -25.7%
Vermont $806 -$368 -31.3%
Virginia $704 -$470 -40.0%
Washington $908 -$266 -22.7%
West Virginia $1,076 -$98 -8.3%
Wisconsin $814 -$360 -30.7%
Wyoming $1,048 -$126 -10.7%

View Chart as Image

Cadillac ATS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $370 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS $294 $566 $398 $1,416
2023 Cadillac ATS $284 $552 $416 $1,410
2022 Cadillac ATS $274 $530 $430 $1,392
2021 Cadillac ATS $260 $512 $442 $1,372
2020 Cadillac ATS $250 $474 $452 $1,334
2019 Cadillac ATS $240 $446 $456 $1,300
2018 Cadillac ATS $230 $400 $460 $1,248
2017 Cadillac ATS $214 $368 $460 $1,200
2016 Cadillac ATS $206 $346 $464 $1,174
2015 Cadillac ATS $202 $322 $474 $1,156
2014 Cadillac ATS $186 $300 $474 $1,118
2013 Cadillac ATS $182 $272 $478 $1,090

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 Cheap Cadillac ATS Insurance

Getting lower rates on Cadillac ATS insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a brief summary of the information presented in the illustrations above.

  • Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
  • Teens are expensive to insure, with premiums as much as $384 a month if the policy includes full coverage
  • Increasing physical damage deductibles can save approximately $375 each year
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,370 more every year for ATS insurance
  • Drivers who may need higher liability limits will pay approximately $510 each year to go from a low limit to the 250/500 level

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $4,606
20 $2,710
30 $1,208
40 $1,174
50 $1,078
60 $1,056

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,304
$500 $1,174
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,267
100/300 $1,383
250/500 $1,684
100 CSL $1,313
300 CSL $1,568
500 CSL $1,754

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $6,528
20 $4,322
30 $2,580
40 $2,546
50 $2,432
60 $2,410

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 $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $81
Total Discounts $481
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

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