Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage. Comprehensive costs an estimated $444 each year, collision costs $874, and liability is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing around $4,018. Teens cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Lyriq models.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac Lyriq insurance rates go from as cheap as $438 for basic liability insurance to a high rate of $4,018 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.
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.
Rate Comparisons
The chart below shows estimated Cadillac Lyriq insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,031
- Raising to $1,000 deductibles will save approximately $298 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,848
- Selecting low deductibles will cost $2,434
- At-risk drivers with serious driving violations could pay up to $4,018 or more
- Policy cost with full coverage for a teen driver can cost as much as $6,596
Car insurance rates for a Cadillac Lyriq also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they 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 caused a few accidents, you could be paying $2,200 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,640 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied 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 Cadillac Lyriq Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief recap of the ideas that were raised in the charts and tables above.
- Teenage drivers have the highest car insurance rates, costing up to $550 each month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations may pay on average $2,170 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save up to $875 each year
- Drivers can save approximately $230 per year simply by quoting online in advance
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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