Cadillac Lyriq Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac Lyriq are $1,848 a year with full coverage. Comprehensive insurance costs on average $444, collision insurance costs $874, and liability is estimated at $372. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $4,018 or more. Teenage drivers cost the most to insure at up to $6,596 a year.
Average premium for full coverage: $1,848
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Lyriq models.
Price Range Variability
For the average driver, Cadillac Lyriq insurance rates range from the low end price of $438 for just liability insurance to the much higher price of $4,018 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.
The examples above demonstrate why everyone should get quotes based on a specific location, instead of making a decision based on average rates.
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.
More Rate Details
The chart below details average Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,031
- Choosing higher $1,000 deductibles can save around $298 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,848
- Using pricier low deductibles for comp and collision coverage will cost an additional $586 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,018
- Policy cost that insures a 16-year-old driver for full coverage may cost $6,596 each year
Car insurance rates for a Cadillac Lyriq also range considerably based on the model of your Lyriq, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,200 to $2,900 extra every year, depending on your age. Cadillac Lyriq insurance for high-risk drivers ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $6,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac Lyriq insurance prices. A good driver about age 40 could pay as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,500 on average in Florida, Michigan, 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% |
Using high physical damage deductibles can save as much as $890 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find Low Cost Cadillac Lyriq Insurance
Finding cheaper rates on insurance for a Cadillac Lyriq takes avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.
The points below are a review of the data touched on above.
- Insureds who require increased liability limits will pay an extra $410 every year to raise limits from a 30/60 limit to the 250/500 level
- You may be able to save as much as $230 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $875 each year
- Drivers under the age of 20 are expensive to insure, as much as $550 each month if full coverage is purchased
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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