Cadillac ATS Coupe Insurance Rates

The average insurance prices for a Cadillac ATS Coupe are $1,314 every 12 months for full coverage insurance. Comprehensive costs around $250 a year, collision costs $446, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,852. Teenage drivers cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and ATS Coupe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $762
• Drivers who choose higher $1,000 deductibles will pay about $1,156 each year
• The average price for a good driver age 40 using $500 deductibles is $1,314
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,622
• High-risk insureds who are prone to accidents and violations could pay at least $2,852 or more
• Policy cost to insure a teenage driver can be $5,046 a year

View Chart as Image

Insurance rates for a Cadillac ATS Coupe also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $470 a year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac ATS Coupe insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

How to Shop for Low Cost Cadillac ATS Coupe Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the information covered in the above illustrations.

• It is possible to save up to $160 per year simply by quoting early and online
• Drivers age 16 to 20 are charged the highest rates, possibly costing $421 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers who have several accidents or serious violations may pay on average $1,540 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $510 annually to go from a 30/60 limit to a 250/500 level