Cadillac Lyriq Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac Lyriq are $1,848 every 12 months including full coverage. Comprehensive costs an estimated $444 a year, collision insurance costs $874, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $4,018. Teenage drivers cost the most to insure at up to $6,596 a year.
Average premium for full coverage: $1,848
Policy rates broken down by type of insurance:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Lyriq trim levels.
Price Range Variability
For a driver around age 40, Cadillac Lyriq insurance rates range from the cheapest price of $438 for just liability coverage to a high of $4,018 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above highlight why it is important to compare rates for a targeted area and their own driving history, rather than 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.
Detailed Rate Analysis
The chart below breaks down average Cadillac Lyriq insurance rates for other coverage scenarios.
- The best discount rate is $1,031
- Drivers who choose higher $1,000 deductibles will pay approximately $1,550 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,848
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,434
- High-risk insureds who are prone to accidents and violations could pay up to $4,018
- Policy cost to insure a teenage driver can cost as much as $6,596 a year
Car insurance rates for a Cadillac Lyriq also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles could save up to $890 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $2,200 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Cadillac Lyriq insurance rates. A 40-year-old driver could pay as low as $1,420 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,640 on average in Louisiana, New York, and Michigan.
| 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 | $424 | $840 | $390 | $1,812 |
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 More Affordable Cadillac Lyriq Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a summary of the ideas that were covered above.
- Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $550 each month if the policy includes full coverage
- Drivers who have multiple accidents or major violations may have to pay on average $2,170 more annually to insure a Cadillac Lyriq
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- You may be able to save approximately $230 per year just by quoting early and online
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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