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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Estimated insurance rates for a Cadillac Lyriq are $1,848 a year including full coverage. Comprehensive costs on average $444, collision insurance costs $874, and liability costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs around $4,018. Teenage drivers pay the most at up to $6,596 a year.
Average premium for full coverage: $1,848
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac Lyriq range from as low as $438 for a discount liability-only rate to a much higher rate of $4,018 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below breaks down average Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,031
- Using higher $1,000 deductibles will save around $298 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,848
- Using more expensive low deductibles for physical damage coverage will increase the cost to $2,434
- Drivers who are prone to accidents and violations could pay upwards of $4,018
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $6,596 or more
Insurance prices for a Cadillac Lyriq also have a wide range based on your driving characteristics, the model of your Lyriq, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,500 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac Lyriq insurance prices. A driver around age 40 might see prices as low as $1,420 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay 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% |
Using high physical damage deductibles could cut prices by as much as $890 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $2,200 to $2,900 additional annually, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
| 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 Cheaper Cadillac Lyriq Insurance
Finding better rates on car insurance requires being a low-risk driver, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a condensed summary of the car insurance concepts covered above.
- Higher risk drivers with multiple at-fault accidents may pay on average $2,170 more each year to insure their Lyriq
- You may be able to save as much as $230 per year just by shopping early and online
- Increasing policy deductibles can save around $875 each year
- Policyholders who require more liability coverage will pay an extra $410 per year to increase from 30/60 bodily injury limits to 250/500 limits
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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