Cadillac ATS Coupe Insurance Rates

The average insurance prices for a Cadillac ATS Coupe are $1,314 every 12 months 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:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different ATS Coupe trim levels.

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 more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using average rates.

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

Rate Comparisons

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 average price for a good driver age 40 who chooses $500 deductibles is $1,314
• Using more expensive low deductibles for comp and collision coverage costs an extra $308 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,852 or more
• Policy cost to insure a teen driver with full coverage can cost $5,046 each year

View Chart as Image

Insurance rates for a Cadillac ATS Coupe also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your ATS Coupe.

Using high physical damage deductibles can save as much as $470 every year, while increasing your policy's liability limits will push rates upward. Changing 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

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers 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 were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

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 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.

How to Shop for Cheap Cadillac ATS Coupe Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a brief summary of the information touched on in the above illustrations.

• You may be able to save around $160 per year simply by shopping early and online
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $421 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,540 more per year to buy Cadillac ATS Coupe insurance
• Policyholders who purchase increased levels of liability coverage will pay an extra $510 per year to raise limits from a 30/60 limit to a 250/500 level