Cadillac Lyriq Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Cadillac Lyriq are $1,848 every 12 months including full coverage. Comprehensive insurance costs on average $444, collision costs $874, and liability costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $4,018 or more. Teen drivers receive the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Rate estimates by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Lyriq models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $4,018 for a high-risk driver policy.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects car insurance rates.
These examples highlight why everyone should compare rates based on a specific location and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,031
- Drivers who choose higher $1,000 deductibles will pay around $298 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,848
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $586 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,018 or more
- The cost to insure a teen driver for full coverage may cost $6,596 a year
Car insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Lyriq.
Choosing high deductibles could save up to $890 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $2,200 to $2,900 extra per year, depending on your age. Cadillac Lyriq insurance for high-risk drivers can cost as much as 44% to 133% more than average. View High Risk Driver Rates
Where you live makes a big difference in Cadillac Lyriq insurance prices. A 40-year-old driver could pay as low as $1,420 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,640 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,672 | -$176 | -9.5% |
| Alaska | $1,420 | -$428 | -23.2% |
| Arizona | $1,536 | -$312 | -16.9% |
| Arkansas | $1,848 | -$0 | 0.0% |
| California | $2,108 | $260 | 14.1% |
| Colorado | $1,766 | -$82 | -4.4% |
| Connecticut | $1,902 | $54 | 2.9% |
| Delaware | $2,096 | $248 | 13.4% |
| Florida | $2,314 | $466 | 25.2% |
| Georgia | $1,708 | -$140 | -7.6% |
| Hawaii | $1,330 | -$518 | -28.0% |
| Idaho | $1,252 | -$596 | -32.3% |
| Illinois | $1,380 | -$468 | -25.3% |
| Indiana | $1,394 | -$454 | -24.6% |
| Iowa | $1,248 | -$600 | -32.5% |
| Kansas | $1,758 | -$90 | -4.9% |
| Kentucky | $2,522 | $674 | 36.5% |
| Louisiana | $2,738 | $890 | 48.2% |
| Maine | $1,142 | -$706 | -38.2% |
| Maryland | $1,528 | -$320 | -17.3% |
| Massachusetts | $1,480 | -$368 | -19.9% |
| Michigan | $3,212 | $1,364 | 73.8% |
| Minnesota | $1,548 | -$300 | -16.2% |
| Mississippi | $2,216 | $368 | 19.9% |
| Missouri | $1,640 | -$208 | -11.3% |
| Montana | $1,988 | $140 | 7.6% |
| Nebraska | $1,458 | -$390 | -21.1% |
| Nevada | $2,218 | $370 | 20.0% |
| New Hampshire | $1,332 | -$516 | -27.9% |
| New Jersey | $2,066 | $218 | 11.8% |
| New Mexico | $1,638 | -$210 | -11.4% |
| New York | $1,948 | $100 | 5.4% |
| North Carolina | $1,066 | -$782 | -42.3% |
| North Dakota | $1,514 | -$334 | -18.1% |
| Ohio | $1,276 | -$572 | -31.0% |
| Oklahoma | $1,900 | $52 | 2.8% |
| Oregon | $1,696 | -$152 | -8.2% |
| Pennsylvania | $1,766 | -$82 | -4.4% |
| Rhode Island | $2,468 | $620 | 33.5% |
| South Carolina | $1,676 | -$172 | -9.3% |
| South Dakota | $1,562 | -$286 | -15.5% |
| Tennessee | $1,622 | -$226 | -12.2% |
| Texas | $2,230 | $382 | 20.7% |
| Utah | $1,372 | -$476 | -25.8% |
| Vermont | $1,266 | -$582 | -31.5% |
| Virginia | $1,108 | -$740 | -40.0% |
| Washington | $1,430 | -$418 | -22.6% |
| West Virginia | $1,696 | -$152 | -8.2% |
| Wisconsin | $1,282 | -$566 | -30.6% |
| Wyoming | $1,648 | -$200 | -10.8% |
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac Lyriq | $406 | $834 | $398 | $1,796 |
Rates are averaged for all Cadillac Lyriq models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Cadillac Lyriq Insurance
Saving money on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a condensed summary of the information touched on in the above illustrations.
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
- Teen drivers are expensive to insure, as much as $550 per month if the policy includes full coverage
- Increasing deductibles could save as much as $875 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $2,170 more each year to insure their Lyriq
- Policyholders who require more liability coverage will pay about $410 per year to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,596 |
| 20 | $4,288 |
| 30 | $1,954 |
| 40 | $1,848 |
| 50 | $1,686 |
| 60 | $1,654 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,434 |
| $250 | $2,162 |
| $500 | $1,848 |
| $1,000 | $1,550 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,848 |
| 50/100 | $1,922 |
| 100/300 | $2,015 |
| 250/500 | $2,257 |
| 100 CSL | $1,960 |
| 300 CSL | $2,164 |
| 500 CSL | $2,313 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,492 |
| 20 | $6,820 |
| 30 | $4,136 |
| 40 | $4,018 |
| 50 | $3,832 |
| 60 | $3,798 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $101 |
| Multi-vehicle | $95 |
| Homeowner | $24 |
| 5-yr Accident Free | $149 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $94 |
| Advance Quote | $97 |
| Online Quote | $135 |
| Total Discounts | $817 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
