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...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac Lyriq are $1,848 a year with full coverage. Comprehensive costs an estimated $444 a year, collision insurance costs $874, and liability insurance costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $4,018. Teen drivers pay the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Lyriq trim levels.
Price Range from Low to High
For the normal driver, Cadillac Lyriq insurance prices range from the low end price of $438 for minimum levels of liability insurance to a high of $4,018 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.
The ranges above demonstrate why it is important to compare rates for a targeted area, rather than relying 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.
Additional Rate Details
The chart below details average Cadillac Lyriq insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,031
- Drivers who choose higher $1,000 deductibles will pay approximately $1,550 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,848
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,434
- High risk drivers with multiple violations and an at-fault accident could pay up to $4,018
- The price that insures a teen driver can cost as much as $6,596 a year
Auto insurance prices for a Cadillac Lyriq are also quite variable based on the trim level of your Lyriq, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $2,200 to $2,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $6,500 a year. View Rates by Age
The state you live in makes a big difference in Cadillac Lyriq insurance rates. A 40-year-old driver could pay as low as $1,330 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,500 on average in New York, Michigan, and Florida.
| 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 high deductibles could save up to $890 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac Lyriq | $424 | $840 | $390 | $1,812 |
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
Getting lower rates on Cadillac Lyriq insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.
The following items are a brief review of the information presented in the illustrations above.
- You may be able to save approximately $230 per year just by quoting early and online
- 16 to 18-year-old drivers are the costliest to insure, costing up to $550 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $875 each year
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,170 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay about $410 every year to go from a low 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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