Cadillac Lyriq Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage insurance. Comprehensive insurance costs an estimated $444 each year, collision costs $874, and liability is $372. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $4,018 or more. Teenage drivers pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Lyriq models.
Price Range from Low to High
For a 40-year-old driver, Cadillac Lyriq insurance prices go from as cheap as $438 for just liability coverage to a high rate of $4,018 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.
The graphic below illustrates how your location can change insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below illustrates estimated Cadillac Lyriq insurance rates for other coverage scenarios.
- The best discount rate is $1,031
- Raising to $1,000 deductibles will save approximately $298 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,848
- Using low deductibles costs an additional $586 annually
- Drivers who are prone to accidents and violations could pay up to $4,018 or more
- The price with full coverage for a 16-year-old driver can cost as much as $6,596
Insurance prices for a Cadillac Lyriq are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $2,200 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $890 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find prices 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.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.
| 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 Buy the Best Cheap Cadillac Lyriq Insurance
Getting lower rates on insurance for a Cadillac Lyriq consists of being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick review of the material that was illustrated above.
- Insureds who want more liability protection will pay an extra $410 annually to raise from a low limit to higher 250/500 limits
- Youthful drivers are expensive to insure, as much as $550 a month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,170 more annually than a low-risk driver
- Increasing physical damage deductibles could save up to $875 each year
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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