Cadillac Lyriq Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac Lyriq are $1,848 every 12 months including full coverage. Comprehensive costs around $444 a 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. Teenage drivers cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Lyriq trim levels.
Price Range Variability
For a driver around age 40, Cadillac Lyriq insurance rates go from the cheapest price of $438 for just liability insurance to a high of $4,018 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why it is important to compare rates quotes for a specific zip code 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 breaks down estimated 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 $1,550 every year
- The average price for a good driver age 40 using $500 deductibles is $1,848
- Using low $100 deductibles increases the price to $2,434
- Drivers who are prone to accidents and violations could pay at least $4,018 or more
- Policy cost to insure a 16-year-old driver can be $6,596
Car insurance rates for a Cadillac Lyriq also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $890 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,200 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates 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.
| 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 best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Affordable Cadillac Lyriq Insurance
Finding cheaper rates on insurance for a Cadillac Lyriq consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a brief review of the data that was covered above.
- You may be able to save up to $230 per year simply by quoting early and online
- Insureds who may need increased levels of liability coverage will pay an extra $410 per year to raise from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $550 each month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,170 more every year to buy Cadillac Lyriq insurance
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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