Cadillac ATS Auto Insurance (2024)
If you want to buy inexpensive Cadillac ATS insurance coverage then you should know that a policy will cost $118 per month ($1,416 per year) on average. Shop around to find cheap Cadillac ATS insurance rates. On average, Cadillac ATS comprehensive insurance coverage costs $345, collision coverage costs $503, and liability coverage costs $400.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
UPDATED: Oct 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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Key takeaways:
- Full coverage costs around $1,416 a year or $118 each month
- A liability-only policy costs around $568 a year or $47 each month
- Highest rates are for teenage drivers at around $5,175 a year or $431 each month
- Good drivers can save as much as $584 a year by earning policy discounts
- Cadillac ATS insurance costs around $103 less per year than the average vehicle
There’s more to a car than just the sort of engine it has under the hood or how good the fuel economy is. Taking care of your vehicle means knowing what you’ll pay for insurance as well. Cadillac ATS insurance rates are $118 per month for full coverage and $47 per month for liability-only coverage. However, teen insurance will cost $431 per month. You save money on earned policy discounts, and often you can find auto insurance discounts that can help you save money too. Continue reading our guide to learn more.
You can start comparing quotes for Cadillac ATS auto insurance rates from some of the best auto insurance companies by using our free online tool now. Learn more about Cadillac auto insurance.
What is the cost of Cadillac ATS insurance?
The average auto insurance costs for a Cadillac ATS are $1,416 a year or $118 a month.
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Are Cadillac ATSs expensive to insure?
The chart below details how Cadillac ATS insurance rates compare to other sedans like the Nissan Sentra, Toyota Corolla, and Nissan Versa.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What impacts the cost of Cadillac ATS insurance?
The Cadillac ATS trim and model you choose can impact the total price you will pay for Cadillac ATS insurance coverage. It may or may not be surprising that the trim levels will determine what you pay, but that’s just because the base price usually goes up for custom work, and the maintenance on vehicles with premium luxury versions of standard features is a lot higher too. That means that the car will be more expensive to fix if anything should happen to it.
– Age of the Vehicle
Older Cadillac ATS models generally cost less to insure. For example, auto insurance for a 2018 Cadillac ATS costs $1,416, while 2013 Cadillac ATS insurance costs are $1,300, a difference of $116.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2017 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2016 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2015 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2014 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2013 Cadillac ATS | $240 | $446 | $456 | $1,300 |
– Driver Age
Driver age can have a significant effect on Cadillac ATS auto insurance rates. For example, 20-year-old drivers pay $1,732 more for their Cadillac ATS auto insurance each year than 30-year-old drivers. A young driver with a fast car is a perfect match for a possible claim. That’s why it’s important to advise younger drivers on the safety rules of the road.
– Driver Location
Where you live can have a large impact on Cadillac ATS insurance rates. For example, drivers in New York may pay $863 a year more than drivers in Seattle. This has a lot to do with traffic and commute times. Finding affordable car insurance isn’t usually hindered by these factors however.
– Your Driving Record
Your driving record can have an impact on the cost of Cadillac ATS auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac ATS auto insurance rates with violations on their driving record.
What are the Cadillac ATS safety ratings?
Your Cadillac ATS auto insurance rates are influenced by the Cadillac ATS’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/A |
|---|---|
| Small overlap front: passenger-side | N/A |
| Moderate overlap front | N/A |
| Side | N/A |
| Roof strength | N/A |
| Head restraints and seats | N/A |
| Source: Insurance Institute for Highway Safety | |
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Are there any Cadillac ATS crash test ratings available?
Not only do good Cadillac ATS crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Cadillac ATS auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Cadillac ATS-V 4 DR RWD | N/R | N/R | N/R | N/R |
| 2019 Cadillac ATS-V 2DR RWD | N/R | N/R | N/R | N/R |
| 2019 Cadillac ATS 2DR RWD | N/R | N/R | N/R | N/R |
| 2019 Cadillac ATS 2DR AWD | N/R | N/R | N/R | N/R |
| 2018 Cadillac ATS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2018 Cadillac ATS-V 2DR RWD | N/R | N/R | N/R | N/R |
| 2018 Cadillac ATS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Cadillac ATS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Cadillac ATS 2DR RWD | N/R | N/R | N/R | N/R |
| 2018 Cadillac ATS 2DR AWD | N/R | N/R | N/R | N/R |
| 2017 Cadillac ATS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2017 Cadillac ATS-V 2DR RWD | N/R | N/R | N/R | N/R |
| 2017 Cadillac ATS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Cadillac ATS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Cadillac ATS 2DR RWD | N/R | N/R | N/R | N/R |
| 2017 Cadillac ATS 2DR AWD | N/R | N/R | N/R | N/R |
| 2016 Cadillac ATS-V 4 DR RWD | N/R | N/R | 5 stars | 5 stars |
| 2016 Cadillac ATS V-Series 2DR RWD | N/R | N/R | N/R | N/R |
| 2016 Cadillac ATS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Cadillac ATS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Cadillac ATS 2DR RWD | N/R | N/R | N/R | N/R |
| 2016 Cadillac ATS 2DR AWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
What do the safety features look like?
Having a variety of safety features on your Cadillac ATS can help lower your insurance costs. According to AutoBlog, the 2020 Cadillac ATS’s safety features include:
- Driver air bag
- Passenger air bag
- Front head air bag
- Rear head air bag
- Front side air bag
- 4-Wheel ABS
- 4-Wheel disc brakes
- Electronic stability control
- Daytime running lights
- Integrated turn signal mirrors
- Front tow hooks
- Traction control
- Emergency trunk release
What is the insurance loss probability of a Cadillac ATS?
Insurance loss probability on the Cadillac ATS fluctuates between each type of coverage. The lower percentage means lower Cadillac ATS auto insurance rates; higher percentages mean higher Cadillac ATS auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 21% |
|---|---|
| Property Damage | -3% |
| Comprehensive | 3% |
| Personal Injury | 7% |
| Medical Payment | -4% |
| Bodily Injury | -10% |
| Source: Insurance Institute for Highway Safety | |
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What would insurance look like for a financed Cadillac ATS?
If you are financing a Cadillac ATS, most lenders will require your carry higher coverages, which may include comprehensive coverage. So be sure to compare auto insurance rates from the best companies using our FREE tool below.
What are some ways to save money on your Cadillac ATS insurance?
There are many ways that you can save on Cadillac ATS auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Cadillac ATS auto insurance rates low.
- Bundle your Cadillac ATS auto insurance with home insurance
- Buy your Cadillac ATS with cash if you can, or get a shorter term loan
- Teach your teen driver the benefits of practicing safe driving habits
- Ask about any sort of discounts that may be available
- Avoid the temptation to file a claim for minor incidents
If your car is hit, your insurance may go up unless you can pay for the repairs out of pocket. Sometimes that isn’t feasible, so play it by ear.
What are the top companies for the best auto insurance rate?
Who is the top auto insurance company for Cadillac ATS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac ATS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac ATS offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Can you compare quotes online?
Average insurance costs can be more than any one person may want to spend. That’s why comparing prices can be so helpful. It’s the same as looking at reviews for the car you’re trying to buy, such as this Cadillac ATS review. Having more information can be useful. You can start comparing quotes for Cadillac ATS insurance from some of the top auto insurance companies by using our free online tool today.
Frequently Asked Questions
What is auto insurance for a Cadillac ATS?
Auto insurance for a Cadillac ATS is a type of coverage that protects your vehicle against financial loss in the event of an accident, theft, or damage. It provides financial assistance for repairs, medical expenses, and liability claims resulting from accidents involving your Cadillac ATS.
What are the factors that can influence the cost of Cadillac ATS auto insurance?
Several factors can affect the cost of auto insurance for a Cadillac ATS. These include your location, driving record, age, gender, credit score, the value of your vehicle, coverage limits, deductibles, and any optional coverages you choose. Insurance providers also consider the safety features, theft deterrents, and repair costs associated with the Cadillac ATS.
What types of coverage should I consider for my Cadillac ATS?
When insuring your Cadillac ATS, it’s important to consider the mandatory coverages, such as liability insurance, which includes bodily injury and property damage coverage. Additionally, comprehensive coverage protects against non-collision incidents like theft or vandalism, while collision coverage covers damages resulting from accidents. Uninsured/underinsured motorist coverage and medical payments coverage are also worth considering.
Can I save money on Cadillac ATS auto insurance?
Yes, there are several ways to potentially save money on Cadillac ATS auto insurance. You can explore discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features installed in your Cadillac ATS. It’s also recommended to compare quotes from multiple insurance providers to find the most competitive rates.
Is it possible to transfer my existing auto insurance policy to cover my Cadillac ATS?
Yes, in most cases, you can transfer your existing auto insurance policy to cover your Cadillac ATS. However, you may need to inform your insurance company about the new vehicle and provide the necessary details to ensure proper coverage. Adjustments to your policy and premiums might be required based on the value and coverage needs of the Cadillac ATS.
What steps should I take if I’m involved in an accident with my Cadillac ATS?
If you’re involved in an accident with your Cadillac ATS, the first priority is to ensure your safety and the safety of others involved. Contact the authorities to report the accident and follow their instructions. Exchange information with the other party involved, including names, contact details, and insurance information. Notify your insurance company about the accident and provide them with all the necessary information to initiate the claims process.
How can I find the best insurance rates for my Cadillac ATS?
To find the best insurance rates for your Cadillac ATS, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance companies directly, use online comparison tools, or work with an independent insurance agent who can help you find the most competitive rates based on your specific needs and location.
Are there any specific considerations for insuring a luxury vehicle like the Cadillac ATS?
Insuring a luxury vehicle like the Cadillac ATS may involve higher insurance premiums due to the vehicle’s higher value and potentially expensive repairs. It’s important to ensure that your coverage limits are adequate to protect your investment. Additionally, consider optional coverages such as gap insurance, which can help cover the difference between your vehicle’s value and the amount you owe on a loan or lease if it’s declared a total loss.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.