- Cadillac ATS insurance costs an average of $2,312 per year, or around $193 per month for full coverage.
- Drivers can find the cheapest insurance on the base ATS Coupe trim level at $2,152 per year.
- The ATS V Coupe has the most expensive car insurance rates at $2,532 per year.
- When compared to other small luxury cars, the Cadillac ATS tends to be a little more expensive than average, costing $80 more per year.
How much does Cadillac ATS insurance cost?
Car insurance cost for a 2019 Cadillac ATS averages $2,312 per year, or around $193 a month, which is 1.6% more than the national average car insurance rate of $2,276 per year.
From a trim level perspective, 2019 Cadillac ATS insurance ranges from $2,152 to $2,532 per year, or $179 to $211 per month.
When splitting out the cost of individual coverages, liability/medical is about $714 a year, comprehensive will cost about $554, and the remaining collision insurance costs approximately $1,044.
The following chart demonstrates average auto insurance cost for a Cadillac ATS using a range of driver ages and risk profiles.
What is the cheapest Cadillac ATS insurance?
The cheapest model of Cadillac ATS to insure is the base Coupe trim at an average of $2,152 per year, or about $179 per month. The second cheapest trim is the AWD model at $2,212 per year, and the third cheapest trim level to insure is the Luxury AWD at $2,212 per year.
For higher trim levels, the three Cadillac ATS models with the most expensive car insurance rates are the ATS Premium Perf Driver Assist Package Coupe, the Premium Performance Coupe, and the V Coupe trim levels at around $2,396, $2,396, and $2,532 per year, respectively.
The rate table below details average car insurance rates for each Cadillac ATS trim level for annual, 6-month, and monthly policy terms.
| 2019 Cadillac ATS Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Coupe | $2,152 | $179 |
| AWD | $2,212 | $184 |
| Luxury AWD | $2,212 | $184 |
| Luxury Coupe | $2,212 | $184 |
| Premium Luxury Coupe | $2,292 | $191 |
| Premium Luxury Driver Assist Package Coupe | $2,292 | $191 |
| Premium Luxury AWD | $2,352 | $196 |
| Premium Luxury Driver Assist Package AWD | $2,396 | $200 |
| Premium Perf Driver Assist Package Coupe | $2,396 | $200 |
| Premium Performance Coupe | $2,396 | $200 |
| V Coupe | $2,532 | $211 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
How does Cadillac ATS car insurance cost compare?
When compared to the most popular models in the small luxury car category, auto insurance for a Cadillac ATS costs $242 more per year than the BMW 330i, $16 more than the Mercedes-Benz C300, $158 more than the Volvo S60, and $260 more than the Acura TLX.
The Cadillac ATS ranks 12th out of 16 total vehicles in the small luxury car class. The ATS costs an average of $2,312 per year for full coverage insurance and the category median rate is $2,232 per year, a difference of $80 per year.
The chart below shows how average Cadillac ATS car insurance rates compare to the top 10 best-selling small luxury cars in the U.S. market. In addition to the chart, a more comprehensive data table is included after the chart detailing insurance affordability rankings for the entire small luxury car class.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz A220 | $2,040 | -$272 |
| 2 | Acura TLX | $2,052 | -$260 |
| 3 | BMW 330i | $2,070 | -$242 |
| 4 | BMW 230i | $2,106 | -$206 |
| 5 | Audi S3 | $2,126 | -$186 |
| 6 | Volvo S60 | $2,154 | -$158 |
| 7 | Lexus RC 350 | $2,216 | -$96 |
| 8 | Genesis G70 | $2,222 | -$90 |
| 9 | BMW i3 | $2,238 | -$74 |
| 10 | Alfa Romeo Giulia | $2,246 | -$66 |
| 11 | Mercedes-Benz C300 | $2,296 | -$16 |
| 12 | Cadillac ATS | $2,312 | -- |
| 13 | Audi A4 | $2,322 | $10 |
| 14 | Lexus IS 350 | $2,336 | $24 |
| 15 | BMW M240i | $2,344 | $32 |
| 16 | BMW 340i | $2,628 | $316 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2019 model year. Updated October 24, 2025
How much does insurance cost on a used ATS?
Opting to insure a 2013 Cadillac ATS in place of a more expensive 2019 model may save an average of $468 per year. Even the newer 2016 model may save the average driver $318 or more annually.
The following data table illustrates average car insurance rates for a Cadillac ATS for the 2013 through 2019 model years. The range of insurance costs goes from the cheapest rate of $1,674 for a 2014 Cadillac ATS to a maximum value of $2,312 for a 2019 model.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2019 Cadillac ATS | $2,312 | $193 |
| 2018 Cadillac ATS | $2,194 | $183 |
| 2017 Cadillac ATS | $2,094 | $175 |
| 2016 Cadillac ATS | $1,994 | $166 |
| 2015 Cadillac ATS | $1,784 | $149 |
| 2014 Cadillac ATS | $1,674 | $140 |
| 2013 Cadillac ATS | $1,844 | $154 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Cadillac ATS trim levels for each model year. Updated October 24, 2025
