Cadillac Lyriq Insurance Rates
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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 with full coverage. Comprehensive insurance costs around $444, collision insurance costs $874, and liability insurance is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs $4,018 or more. Teenage drivers pay the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Price estimates for individual coverage:
Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Lyriq trim levels.
Price Range from Low to High
For an average driver, Cadillac Lyriq insurance prices range from as low as $438 for just liability coverage to a much higher rate of $4,018 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below details average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,031
- Raising to $1,000 deductibles will save about $298 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,848
- Using more expensive low deductibles will cost an extra $586 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $4,018
- The price for full coverage for a teen driver with full coverage can be $6,596
Insurance prices for a Cadillac Lyriq are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $6,500 a year. View Rates by Age
The state you live in also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find prices 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 reduce prices by up to $890 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $2,200 to $2,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
| 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 Find More Affordable Cadillac Lyriq Insurance
Getting lower rates on Cadillac Lyriq insurance consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a summary of the information covered in the above illustrations.
- You may be able to save up to $230 per year just by shopping early and online
- Teen drivers pay higher prices, costing up to $550 a month for full coverage
- Increasing physical damage deductibles can save around $875 each year
- High-risk drivers who have multiple accidents or major violations pay an average of $2,170 more every year to insure their Lyriq
- Drivers who may need more liability coverage will pay an extra $410 every year to raise from a low limit 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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