Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance prices for a Cadillac Lyriq are $1,848 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $444, collision insurance costs $874, and liability costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $4,018 or more. 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

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Lyriq trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Cadillac Lyriq range from the cheapest price of $438 for just liability insurance to a much higher rate of $4,018 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based 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.

More Rate Details

The chart below illustrates average Cadillac Lyriq insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $1,031
  • Drivers who choose higher $1,000 deductibles will pay $298 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,848
  • Using more expensive low deductibles for comprehensive and collision insurance costs an extra $586 annually
  • Drivers who are prone to accidents and violations could pay around $4,018
  • An auto insurance policy to insure a 16-year-old driver with full coverage can cost $6,596 a year

View Chart as Image

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

Auto insurance prices for a Cadillac Lyriq also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Lyriq.

Using high physical damage deductibles could save up to $890 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $6,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $2,200 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Cadillac Lyriq insurance prices. A 40-year-old driver could pay as low as $1,210 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,500 on average in Florida, New York, and Michigan.

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
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 Shop for the Cheapest Cadillac Lyriq Insurance

Finding better rates on insurance for a Cadillac Lyriq not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a recap of the primary concepts that were touched on in the above illustrations.

  • It is possible to save around $230 per year just by shopping early and online
  • Drivers considered higher risk that have major violations or accidents may have to pay on average $2,170 more per year to insure their Lyriq
  • Increasing policy deductibles could save as much as $875 each year
  • Teen drivers have the highest car insurance prices, with premiums being up to $550 per month if comprehensive and collision insurance is included

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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