Cadillac ATS Coupe Insurance Rates

The average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually including full coverage. Comprehensive insurance costs approximately $250, collision costs $446, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,852 or more. Teenage drivers cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all ATS Coupe models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below breaks down estimated Cadillac ATS Coupe insurance rates for additional coverage and risk scenarios.

• The best discount rate is $762
• Choosing higher $1,000 deductibles can save $158 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,314
• Using pricier low deductibles for comp and collision coverage costs an additional $308 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,852 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $5,046 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers ranges as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $470 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

How to Buy Cheaper Cadillac ATS Coupe Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the primary concepts that were covered above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,540 more per year to insure their ATS Coupe
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teen drivers are the costliest to insure, with premiums being up to $421 each month if they have full coverage