Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive insurance costs approximately $444, collision costs $874, and liability coverage is $372. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $4,018 or more. Teenage drivers cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Lyriq models.
Price Range Variability
For a 40-year-old driver, Cadillac Lyriq insurance rates go from as low as $438 for a discount liability-only rate to the much higher price of $4,018 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The example below illustrates how your location can change auto insurance prices.
The examples above show why everyone should compare rates quotes using their specific location and risk profile, rather than 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac Lyriq insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,031
- Raising to $1,000 deductibles will save $298 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,848
- Using pricier low deductibles will cost an extra $586 each year
- Unlucky drivers who are prone to accidents and violations could pay around $4,018 or more
- Policy cost for full coverage for a teenage driver for full coverage can cost $6,596
Insurance rates for a Cadillac Lyriq also range considerably based on your risk profile, the trim level of your Lyriq, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $6,500 a year. View Rates by Age
Your home state also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,640 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $890 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $2,200 to $2,900 extra every year, depending on your age. Cadillac Lyriq insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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 Affordable Cadillac Lyriq Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief review of the ideas that were illustrated above.
- Drivers under the age of 20 are expensive to insure, costing up to $550 each month for full coverage
- Drivers with DUI or reckless driving convictions may pay on average $2,170 more per year to insure a Cadillac Lyriq
- Increasing comprehensive and collision deductibles can save around $875 each year
- Drivers can save around $230 per year simply by quoting online well ahead of the renewal date
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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