Cadillac ATS Coupe Insurance Rates

The average auto insurance rates for a Cadillac ATS Coupe are $1,314 annually with full coverage. Comprehensive costs around $250 a year, collision insurance costs $446, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,852. 16-year-old drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and ATS Coupe trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $762
• Raising to $1,000 deductibles will save about $1,156 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,314
• Buying low $100 deductibles will cost $1,622
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,852
• Policy cost with full coverage for a teen driver can be $5,046

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, you may be forking out at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $470 each year, while buying higher liability limits will increase rates. Moving 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 also has a big influence on Cadillac ATS Coupe insurance rates. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Best Cadillac ATS Coupe Insurance

Finding cheaper rates on Cadillac ATS Coupe insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the data that was touched on above.

• You may be able to save up to $160 per year just by quoting early and online
• Drivers who may need higher liability limits will pay around $510 every year to raise from a 30/60 limit to higher 250/500 limits
• Teenagers are charged the highest rates, as much as $421 each month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,540 more every year for car insurance