Cadillac ATS Coupe Insurance Rates

U.S. average insurance prices for a Cadillac ATS Coupe are $1,314 every 12 months for full coverage. Comprehensive insurance costs around $250 each year, collision insurance costs $446, and liability coverage is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,852 or more. Teen drivers pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and ATS Coupe models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $762
• Raising to $1,000 deductibles will save about $158 a year
• The average price for the average middle-age driver using $500 deductibles is $1,314
• Choosing low deductibles costs an extra $308 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,852
• The price to insure a teenage driver can be $5,046

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Insurance prices for a Cadillac ATS Coupe are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac ATS Coupe insurance rates. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

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How to Shop for the Cheapest Cadillac ATS Coupe Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the material that was covered in the charts and tables above.

• Consumers who may need additional liability coverage will pay about $510 each year to raise from a low limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $421 a month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,540 more every year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $475 each year