Cadillac Lyriq Insurance Rates

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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:

Comprehensive $444
Collision $874
Liability $372

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.

Liability Only $438
Full Coverage $1,848
High Risk $4,018

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.

Rural Areas $1,386
Small Cities $1,940
Large Cities $2,495

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

View Chart as Image

Cadillac Lyriq insurance cost comparison chart
Column chart showing Cadillac Lyriq insurance rates range from $1,031 to $6,596 for full coverage

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.

Cadillac Lyriq Insurance Rates by State
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%

View Chart as Image

Cadillac Lyriq insurance rates by U.S. city

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

Cadillac Lyriq Insurance Rates by Model Year
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

Rates by Driver Age

Cadillac Lyriq Insurance 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

Cadillac Lyriq Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,434
$250 $2,162
$500 $1,848
$1,000 $1,550

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Lyriq Insurance Rates with Different Liability Limits
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

Cadillac Lyriq Insurance 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.

SR-22 Surcharge $264

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
Rate after discounts $1,031

Discounts are estimated and may not be available from every company or in every state.

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