Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive insurance costs on average $444 a year, collision insurance costs $874, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $4,018 or more. Teen drivers pay the most at up to $6,596 a year.

Average premium for full coverage: $1,848

Premium estimates by type of coverage:

Comprehensive $444
Collision $874
Liability $372

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Lyriq trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Cadillac Lyriq range from as low as $438 for just liability coverage to a high of $4,018 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

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

These rate differences show why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on price 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.

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Detailed Rate Analysis

The chart below shows average Cadillac Lyriq insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,031
  • Drivers who choose higher $1,000 deductibles will pay around $1,550 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,848
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $586 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $4,018
  • An auto insurance policy for full coverage for a 16-year-old driver may cost $6,596 a year

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

Insurance prices for a Cadillac Lyriq also have a wide range based on your driving characteristics, the trim level of your Lyriq, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $6,500 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac Lyriq insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like Idaho, Maine, and Iowa, or as much as $2,640 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $890 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $2,200 to $2,900 extra annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than average. View High Risk Driver Rates

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 the Right Cadillac Lyriq Insurance

Finding better rates on insurance for a Cadillac Lyriq not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates once a year by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a quick rundown of the data that was presented in the illustrations above.

  • Drivers can save as much as $230 per year just by quoting early and online
  • Insureds who require higher liability limits will pay about $410 each year to go from 30/60 bodily injury limits to 250/500 limits
  • Teenagers pay the highest prices, as much as $550 per month for full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions will pay on average $2,170 more each year for car insurance

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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