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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Estimated auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage. Comprehensive costs on average $444 a year, collision insurance costs $874, and liability insurance is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $4,018. 16-year-old drivers pay the most at up to $6,596 a year.
Average premium for full coverage: $1,848
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac Lyriq range from as cheap as $438 for the bare minimum liability coverage to a high of $4,018 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than relying on rate 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 Information
The chart below shows average Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,031
- Raising to $1,000 deductibles will save around $1,550 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,848
- Buying low $100 deductibles will cost $2,434
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $4,018
- An auto insurance policy with full coverage for a teen driver may cost $6,596
Auto insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, your driver profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $6,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $2,200 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $890 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find prices as low as $1,220 a year in states like Idaho, Maine, and Iowa, or at least $2,640 on average in Michigan, Louisiana, and New York.
| 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% |
| 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
Finding better rates on Cadillac Lyriq insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct carriers, and also from local insurance agents.
Below is a quick review of the concepts that were covered in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $2,170 more each year for auto insurance
- Teenage drivers are charged the highest prices, as much as $550 per month if full coverage is included
- Drivers can save as much as $230 per year just by quoting early and online
- Increasing policy deductibles could save up to $875 each year
- Drivers can save as much as $230 per year just by quoting early and online
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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