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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Average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive costs on average $444 each year, collision costs $874, and liability insurance is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $4,018. Teens receive the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Lyriq models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $438 for a discount liability-only rate to a high rate of $4,018 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on car insurance rates.
These examples show why all drivers should get quotes based on a specific location, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,031
- Choosing higher $1,000 deductibles can save around $298 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,848
- Selecting low deductibles for comp and collision coverage bumps up the cost to $2,434
- High-risk insureds with serious driving violations could pay upwards of $4,018 or more
- The cost that insures a teen driver may cost $6,596 each year
Car insurance rates for a Cadillac Lyriq can also vary considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $2,200 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,700 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $6,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac Lyriq insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Idaho, Maine, and Iowa, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $890 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different.
| 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 Find the Best Cheap Cadillac Lyriq Insurance
Saving money on Cadillac Lyriq insurance takes avoiding accidents and violations, having a positive credit history, eliminating unneeded coverage, and maximizing policy discounts. Compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a quick review of the information covered in the above illustrations.
- Drivers can save as much as $230 per year simply by quoting online in advance
- Teenagers are expensive to insure, costing as high as $550 per month if full coverage is purchased
- Increasing deductibles can save approximately $875 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,170 more each year for car insurance
- Drivers who require higher liability limits will pay approximately $410 each year to raise limits from a minimum limit to the 250/500 level
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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