Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage. Comprehensive insurance costs around $444, collision insurance costs $874, and liability is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs $4,018 or more. Teens cost the most to insure at up to $6,596 a year.
Average premium for full coverage: $1,848
Policy rates for type of insurance:
Includes $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Lyriq trim levels.
Price Range Variability
For a driver around age 40, Cadillac Lyriq insurance rates range from as cheap as $438 for a discount liability-only rate to a much higher rate of $4,018 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below shows average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,031
- Raising to $1,000 deductibles will save about $298 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,848
- Selecting more expensive low deductibles costs an additional $586 annually
- Drivers with serious driving violations could pay at least $4,018
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $6,596
Car insurance rates for a Cadillac Lyriq also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,640 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy the Cheapest Cadillac Lyriq Insurance
Finding cheaper rates on insurance for a Cadillac Lyriq consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a recap of the material that was covered above.
- Insureds who may need higher liability limits will pay approximately $410 each year to raise from a 30/60 limit to higher 250/500 limits
- Teens are the costliest to insure, costing up to $550 each month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents pay an average of $2,170 more every year for Lyriq insurance
- Increasing comprehensive and collision deductibles could save up to $875 each year
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.
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