Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage insurance. Comprehensive insurance costs an estimated $444, collision insurance costs $874, and liability coverage costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $4,018 or more. 16-year-old drivers receive the highest rates at up to $6,596 a year.

Average premium for full coverage: $1,848

Rate estimates broken down by individual coverage type:

Comprehensive $444
Collision $874
Liability $372

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Lyriq models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $438 for a discount liability-only rate to the much higher price of $4,018 for coverage for higher-risk drivers.

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

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The example below illustrates the difference location can make on insurance prices.

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

These examples illustrate why everyone should compare prices for a targeted area, rather than using 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.

Rates by State, City, and Model

The chart below illustrates average Cadillac Lyriq insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,031
  • Using higher $1,000 deductibles will save approximately $298 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,848
  • Buying pricier low deductibles for physical damage coverage will cost an additional $586 each year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $4,018
  • The cost that insures a teenage driver for full coverage can cost as much as $6,596 or more

View Chart as Image

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

Car insurance rates for a Cadillac Lyriq can also vary considerably based on the model of your Lyriq, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $2,200 to $2,900 extra per year, depending on your age. Cadillac Lyriq insurance for high-risk drivers can be around 44% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,700 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $6,500 a year. View Rates by Age

Where you live has a huge impact on Cadillac Lyriq insurance rates. A driver around age 40 might see rates as low as $1,210 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,500 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could cut rates by as much as $890 a year, whereas buying more liability protection will increase premiums. Switching 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

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 Find More Affordable Cadillac Lyriq Insurance

Saving money on auto insurance requires having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a summary of the primary concepts that were touched on in this article.

  • It is possible to save approximately $230 per year just by quoting online well ahead of the renewal date
  • Drivers who have multiple accidents or major violations may have to pay on average $2,170 more annually to buy Cadillac Lyriq insurance
  • Increasing deductibles can save approximately $875 each year
  • Drivers age 20 and younger have the highest car insurance rates, costing up to $550 per month if full coverage is purchased

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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