Cadillac Lyriq Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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 rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive insurance costs an estimated $444, collision costs $874, and liability is $372. Liability-only insurance costs around $438 a year, with high-risk driver insurance costing $4,018 or more. Teens pay the most at $6,596 a year or more.
Average premium for full coverage: $1,848
Premium estimates broken down by type of coverage:
Prices include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Lyriq models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac Lyriq go from the low end price of $438 for minimum levels of liability insurance to the much higher price of $4,018 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates how your location can change insurance prices.
These rate differences show why everyone should compare rates quotes for a targeted area, instead of using averaged prices.
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 shows estimated Cadillac Lyriq insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,031
- Raising to $1,000 deductibles will save approximately $298 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,848
- Selecting pricier low deductibles will cost an additional $586 every year
- At-risk drivers with serious driving violations could pay up to $4,018 or more
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $6,596
Insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $2,200 to $2,900 additional annually, depending on your age. Cadillac Lyriq insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $6,500 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find prices as low as $1,220 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $890 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, 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 Find the Right Cadillac Lyriq Insurance
Finding better rates on car insurance consists of having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a quick rundown of the primary concepts that were illustrated above.
- Drivers can save approximately $230 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with reckless driving or DUI convictions may pay on average $2,170 more annually to buy Cadillac Lyriq insurance
- Increasing policy deductibles can save approximately $875 each year
- Drivers age 20 and younger are expensive to insure, as much as $550 per month if comprehensive and collision insurance is included
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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