Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Cadillac Lyriq are $1,848 every 12 months including full coverage. Comprehensive insurance costs on average $444, collision costs $874, and liability costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $4,018 or more. Teen drivers receive the highest rates at $6,596 a year or more.

Average premium for full coverage: $1,848

Rate estimates by individual coverage type:

Comprehensive $444
Collision $874
Liability $372

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Lyriq models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $4,018 for a high-risk driver policy.

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

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects car insurance rates.

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

These examples highlight why everyone should compare rates based on a specific location and their own driving history, instead of using price averages.

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.

Additional Rate Details

The chart below breaks down estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,031
  • Drivers who choose higher $1,000 deductibles will pay around $298 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,848
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $586 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,018 or more
  • The cost to insure a teen driver for full coverage may cost $6,596 a year

View Chart as Image

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

Car insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Lyriq.

Choosing high deductibles could save up to $890 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $6,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $2,200 to $2,900 extra per year, depending on your age. Cadillac Lyriq insurance for high-risk drivers can cost as much as 44% to 133% more than average. View High Risk Driver Rates

Where you live makes a big difference in Cadillac Lyriq insurance prices. A 40-year-old driver could pay as low as $1,420 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,640 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different.

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 Cheaper Cadillac Lyriq Insurance

Saving money on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the information touched on in the above illustrations.

  • You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are expensive to insure, as much as $550 per month if the policy includes full coverage
  • Increasing deductibles could save as much as $875 each year
  • Higher risk drivers with multiple at-fault accidents may pay on average $2,170 more each year to insure their Lyriq
  • Policyholders who require more liability coverage will pay about $410 per year to go from a minimum limit to a 250/500 level

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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