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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac Lyriq are $1,848 every 12 months with full coverage. Comprehensive costs on average $444 a year, collision costs $874, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $4,018. Teenage drivers pay the most at $6,596 a year or more.
Average premium for full coverage: $1,848
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Cadillac Lyriq go from the cheapest price of $438 for basic liability insurance to a high of $4,018 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location impacts car insurance rates.
These rate differences demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using 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.
Rate Comparisons
The chart below details estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,031
- Choosing higher $1,000 deductibles can save around $1,550 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,848
- Using low $100 deductibles for comp and collision coverage increases the price to $2,434
- Unlucky drivers who are prone to accidents and violations could pay upwards of $4,018 or more
- An auto insurance policy to insure a teen driver may cost $6,596 each year
Insurance prices for a Cadillac Lyriq also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Lyriq.
Using high physical damage deductibles can save as much as $890 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $2,200 to $2,900 additional annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Cadillac Lyriq insurance prices. A good driver about age 40 could pay as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,500 on average in Florida, Michigan, 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially 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 Shop for Cheaper Cadillac Lyriq Insurance
Finding better rates on car insurance takes being safe and accident-free, having above-average credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct companies, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the coverage data touched on above.
- You may be able to save as much as $230 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $875 each year
- Youthful drivers pay higher prices, possibly costing $550 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may pay on average $2,170 more each year than a low-risk driver
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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