Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage insurance. Comprehensive insurance costs on average $444, collision costs $874, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $4,018 or more. 16-year-old drivers pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Lyriq trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac Lyriq insurance prices go from as low as $438 for just liability insurance to a much higher rate of $4,018 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using rate 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.
More Rate Details
The chart below illustrates estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,031
- Drivers who choose higher $1,000 deductibles will pay around $298 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,848
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $586 each year
- High-risk insureds with multiple tickets or accidents could pay upwards of $4,018 or more
- The price for full coverage for a teenage driver with full coverage may cost $6,596 a year
Auto insurance prices for a Cadillac Lyriq are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may only pay around $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,500 a year. View Rates by Age
The state you live in makes a big difference in Cadillac Lyriq insurance rates. A 40-year-old driver could pay as low as $1,210 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,500 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could save up to $890 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $2,200 to $2,900 in extra premium each year, depending on your age. High-risk driver insurance can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
| 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 Affordable Cadillac Lyriq Insurance
Getting lower rates on auto insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a brief review of the data that was touched on in this article.
- It is possible to save as much as $230 per year simply by shopping early and online
- Consumers who require more liability coverage will pay around $410 annually to go from a low limit to 250/500 limits
- Teen drivers are charged the highest prices, as much as $550 a month if they have full coverage
- Drivers with DUI or reckless driving convictions pay an average of $2,170 more each year to insure their Lyriq
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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