Cadillac ATS Insurance Rates

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UPDATED: Jun 5, 2023

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

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Comprehensive $206
Collision $346
Liability $464

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different ATS trim levels.

Price Range from Low to High

For the average driver, Cadillac ATS insurance prices go from as cheap as $514 for minimum levels of liability insurance to a much higher rate of $2,546 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than 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.

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Additional Rate Details

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

  • The lowest rate with discounts is $693
  • Drivers who choose higher $1,000 deductibles will pay about $124 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,174
  • Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $244 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,546 or more
  • The price with full coverage for a teenage driver with full coverage can be $4,606 a year

View Chart as Image

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

Auto insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $370 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$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

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Every company uses a different rate calculation, and quoted prices may be quite different between companies.

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 Buy More Affordable Cadillac ATS Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the data touched on above.

  • Consumers who may need more liability protection will pay about $510 annually to go from a low limit to higher 250/500 limits
  • It is possible to save up to $140 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $375 each year
  • Youthful drivers are expensive to insure, as much as $384 a month if full coverage is included

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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