Cadillac Lyriq Insurance Rates
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Michelle Robbins
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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. Comprehensive costs on average $444, collision costs $874, and liability is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing around $4,018. 16-year-old drivers receive the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Rate estimates by individual coverage type:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Lyriq models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $438 for your basic liability-only policy to the much higher price of $4,018 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location and risk profile, instead of 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.
More Rate Information
The chart below shows estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,031
- Raising to $1,000 deductibles will save around $298 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,848
- Buying pricier low deductibles will increase the cost to $2,434
- At-risk drivers with multiple tickets or accidents could pay upwards of $4,018 or more
- The cost for full coverage for a teen driver for full coverage may cost $6,596
Insurance rates for a Cadillac Lyriq can also vary considerably based on your driver profile, the trim level of your Lyriq, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $6,500 a year. View Rates by Age
Where you live also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like Idaho, Maine, and Iowa, or at least $2,640 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $890 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,200 to $2,900 additional per year, 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 rate. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.
| 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
Saving money on car insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The following is a brief review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions will pay on average $2,170 more each year for Lyriq insurance
- Drivers can save as much as $230 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $875 each year
- Policyholders who require higher liability limits will pay around $410 each year to raise from a minimum limit to 250/500 limits
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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