Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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Average auto insurance rates for a Cadillac ATS are $1,174 annually for full coverage. Comprehensive costs approximately $206, collision costs $346, and liability insurance costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,546. Teens receive the highest rates at $4,606 a year or more.
Average premium for full coverage: $1,174
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different ATS trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $514 for just liability insurance to a much higher rate of $2,546 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, 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 shows estimated Cadillac ATS insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $693
- Drivers who choose higher $1,000 deductibles will pay $124 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,174
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,418
- High risk drivers with serious driving violations could pay around $2,546 or more
- The cost with full coverage for a teen driver with full coverage can cost $4,606 a year
Auto insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $370 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
Where you live 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 Iowa, Maine, and Idaho, or have to pay at least $1,680 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different between companies.
| 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 Buy Low Cost Cadillac ATS Insurance
Saving money on Cadillac ATS insurance not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following items are a review of the coverage data touched on in the above illustrations.
- Drivers can save around $140 per year simply by shopping early and online
- Increasing deductibles could save up to $375 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $384 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations pay on average $1,370 more per year than a driver with a clean driving record
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,304 |
| $500 | $1,174 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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