Cadillac ATS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac ATS is more expensive to insure compared to the average car.
• Liability auto insurance for an ATS averages about $80 per month, while full coverage typically comes in at around $193.
• The most affordable insurance carrier for an ATS is Hugo, who offers premiums as low as $32 a month.

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ATS Overview

The Cadillac ATS is a great car for drivers on a budget, with 2019 models starting at $38,995. There's a ATS for every driver, with a choice of five different trim options.

We sifted through thousands of auto insurance quotes on Compare.com, and we've determined that average Cadillac ATS car insurance prices run about $182 per month. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Cadillac ATS?

In the table above, you'll find that Cadillac ATS insurance rates are more expensive than average. On average, ATS drivers can expect to pay around $193 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 monthly for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other models, the ATS is more expensive, with prices more than 10% higher than Cadillac's other vehicle offerings. Compared to offerings from other brands, insurance for an ATS runs close to average, with liability insurance rates $3 cheaper than other cars and full coverage insurance premiums coming in $16 higher.

Compared to all vehicles, regardless of body style, model, or make, the ATS is slightly lower for liability only auto insurance, but full coverage prices are more expensive on average.

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Who has the Cheapest Car Insurance for a Cadillac ATS?

Are you looking for a car insurance policy for your Cadillac ATS? You're probably most interested in which company offers the lowest rates. Even though premiums can change pretty significantly depending on your driver profile, the cheapest average rates for liability only insurance are sometimes as cheap as $29 per month from Mapfre. The runner up for lowest rates is Hugo, with car insurance policies starting as little as just $32 monthly.

The third, fourth, and fifth companies on the list are Aspire, Pronto, and FirstChicago. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since insurance carriers look at a whole range of different variables when calculating premiums. By pulling quotes from lots of auto insurance companies at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Cadillac ATS?

There are a multitude of pieces that car insurance carriers take a look at to decide how much they charge -- and every carrier uses a different algorithm, so there's not a single company that's the lowest for each ATS owner.

The sections below show a bunch of things insurance companies use to choose rates:

Vehicle Age

The Cadillac ATS has been around for a while, so vehicle age may make a difference in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

As you can see in the information above, the Cadillac ATS is an outlier, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest ATSs are 1 year old or less, on average.

Your Age

Your age is another variable that makes a significant difference in how much auto insurance carriers will charge you. As you can see in the table above, drivers who have more experience pay less for insurance than young ATS drivers. Cadillac ATS drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for ATS drivers.

Your Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, women usually pay less for car insurance than men. The Cadillac ATS sticks to the norm, where women pay about $7 less than men a month for auto insurance.

Where You Live

You might already know that factors like how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live is equally important? Auto insurance is regulated on the state level and not nationally, so premiums fluctuate quite a bit depending on what state you live in.

For example, the average Cadillac ATS driver from New York pays around $183 monthly for liability coverage. Meanwhile, the same Californian owner will pay only 25% of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Cadillac ATS Car Insurance Discounts

Whatever your age, your home state, or your car, it's always a good idea to take advantage of as many insurance discounts as possible.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments

While taking advantage of discounts is always a smart way to save money on your insurance, some of the best ways to save are just by having a good driving history and positive insurance profile.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

You've most likely observed ads from car insurance companies offering big savings for responsible drivers. It checks out that your insurance premiums will go up if you get into a collision or get speeding tickets. But exactly how much will these infractions cost you?

You can see from the table above that accidents will usually cost ATS drivers less than tickets, but both will result in a raise in rates. Cadillac ATS drivers with one accident on their record pay about $115 each month (up $35 from the $80/mo. overall average), while drivers with a single ticket will pay an average of $125 a month. The rates only go higher the more collisions you have or tickets you get.

How Much You Drive

Another factor that plays a big role in your car insurance prices is how much you drive each year. Those who drive less often are more likely to go accident-free, so they'll normally end up paying less for auto insurance. In the above table, you can see that Cadillac ATS owners who drive fewer than 2,500 miles per year pay an average of $58 per month for car insurance, while those who put 10,000 miles or more on their cars pay $81.

If you don't drive much because you work from home or have a second vehicle, you might consider a usage-based or pay-per-mile auto insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Cadillac ATSs Compare to Other Vehicles?

If you're considering making a Cadillac ATS your next vehicle, you might want to know how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

Review the table below to see how the Cadillac ATS compares:

Overall, the Cadillac ATS has an average MSRP and is in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $46,074, and the ATS comes in close to that at $38,995.

Although the ATS has a pretty average price, insurance rates are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Cadillac ATS is about $13 per month more than average, while liability only coverage is more than $30 less monthly.

When it comes to usage, Cadillac ATS drivers are far from the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the ATS's 15,805 a year.

Cadillac ATS Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's car insurance prices. If you're in thinking about buying a new car, truck, or SUV and the ATS is on your wishlist, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

Choose Your Model

2019 Cadillac ATS Car Insurance 2018 Cadillac ATS Car Insurance 2017 Cadillac ATS Car Insurance 2016 Cadillac ATS Car Insurance 2015 Cadillac ATS Car Insurance 2014 Cadillac ATS Car Insurance 2013 Cadillac ATS Car Insurance

2019 Cadillac ATS Car Insurance

2019 ATS drivers can expect to pay an average of $45 a month for liability or $182 for full coverage.

We found SafeAuto offered the cheapest policy, with rates sometimes as little as $38 per month.

If you want to find the best premiums for auto insurance for a 2019 Cadillac ATS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Cadillac ATS Car Insurance

On average, drivers who own a 2018 Cadillac ATS can expect to pay $58 to $188 monthly for liability only and full coverage insurance, respectively.

Dairyland offered the most affordable policy we found, with rates as cheap as $40 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Cadillac ATS Car Insurance

The average cost to insure a 2017 ATS with liability only coverage is $107 per month, while full coverage runs around $228 monthly.

If you're looking for the cheapest possible 2017 Cadillac ATS insurance policy, Commonwealth Casualty offered the lowest policy we found, with rates sometimes as low as $23 per month.

Want to find the best rates? Just enter your ZIP code below to get lots of free personalized quotes.

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2016 Cadillac ATS Car Insurance

You can expect full coverage for a 2016 Cadillac ATS to run about $218 a month, while liability only coverage will average around $94 monthly.

Looking for the most affordable policy? FirstChicago offered liability only coverage for as cheap as just $31 per month.

While these are good estimates of what the average driver might pay to insure a 2016 Cadillac ATS, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Cadillac ATS Car Insurance

It costs about $93 a month for liability or $203 for a full coverage policy for the 2015 ATS.

With rates as low as just $31 per month, PlymouthRockNJ offered the lowest policy we found.

If you want to find the best premiums for auto insurance for a 2015 Cadillac ATS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2014 Cadillac ATS Car Insurance

You can expect full coverage for a 2014 Cadillac ATS to run around $178 monthly, while liability only coverage will average about $66 a month.

With prices as little as $20 monthly, Clearcover offered the cheapest policy we found for the 2014 Cadillac ATS.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get several customized quotes for free.

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2013 Cadillac ATS Car Insurance

It costs around $73 a month for liability or $182 for a full coverage policy for the 2013 ATS.

Safeco has rates as cheap as $22 per month for the 2013 Cadillac ATS.

If you want to know exactly how much you can expect to pay for your ATS, just enter your ZIP code below and get several free quotes in minutes.

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Cadillac ATS Insurance FAQs

Is a Cadillac ATS expensive to insure?

Liability insurance runs an average of $80 monthly, while full coverage will cost you around $193. It costs more to insure a Cadillac ATS when compared to the average vehicle.

How can I get the best price on car insurance for my Cadillac ATS?

There's only one way to be sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a whole bunch of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Cadillac ATS affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's actually a myth. Although there are many things car insurance carriers think about when they decide how much your policy will be, the color of your Cadillac ATS isn't one of them.

Do I need to have insurance before I buy a Cadillac ATS?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) ATS off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an car is to let your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Cadillac ATS?

There are a variety of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your ATS has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about which discounts they offer, since they differ quite a bit from carrier to carrier.