Cadillac ATS Coupe Insurance Rates

Average insurance rates for a Cadillac ATS Coupe are $1,314 a year for full coverage. Comprehensive costs around $250 each year, collision insurance costs $446, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,852. Teenage drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and ATS Coupe models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

These examples show why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.

• The best discount rate is $762
• Using higher $1,000 deductibles will save about $158 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,314
• Using low deductibles for physical damage coverage bumps up the cost to $1,622
• High-risk insureds who are prone to accidents and violations could pay at least $2,852
• The cost that insures a 16-year-old driver can be $5,046 or more

View Chart as Image

Insurance rates for a Cadillac ATS Coupe can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age

Where you live has a huge impact on Cadillac ATS Coupe insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $470 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Cadillac ATS Coupe Insurance

Saving money on insurance for a Cadillac ATS Coupe requires being a good driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the data that was touched on in this article.

• Drivers can save up to $160 per year just by quoting online in advance
• Insureds who may need an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing as high as $421 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,540 more every year than a safer driver