Cadillac ATS Insurance Rates

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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 insurance. Comprehensive insurance costs an estimated $206, collision costs $346, and liability insurance is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing $2,546 or more. 16-year-old drivers receive the highest rates at $4,606 a year or more.

Average premium for full coverage: $1,174

Rate estimates broken down by individual coverage type:

Comprehensive $206
Collision $346
Liability $464

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all ATS models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $514 for your basic liability-only policy to the much higher price of $2,546 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities.

The example below illustrates how geographic area affects insurance prices.

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

These examples illustrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on 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.

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More Rate Information

The chart below illustrates estimated Cadillac ATS insurance rates for other coverage scenarios.

  • The best full coverage rate is $693
  • Choosing higher $1,000 deductibles can save approximately $124 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,174
  • Buying pricier low deductibles for comp and collision coverage costs an additional $244 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,546 or more
  • The cost with full coverage for a teen driver for full coverage can cost as much as $4,606 each 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

Insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your risk profile, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,400 to $2,000 extra per year, depending on your age. Cadillac ATS insurance for high-risk drivers ranges anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $370 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.

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

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates can be significantly 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 the Right Cadillac ATS Insurance

Saving money on Cadillac ATS insurance takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a quick rundown of the primary concepts that were presented in the illustrations above.

  • It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,370 more annually than a driver with a clean driving record
  • Increasing deductibles could save up to $375 each year
  • 16 to 18-year-old drivers are charged the highest rates, costing up to $384 per month including comprehensive and collision insurance

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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