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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Estimated auto insurance rates for a Cadillac Lyriq are $1,848 annually with full coverage. Comprehensive costs approximately $444, collision costs $874, and liability coverage is estimated at $372. Liability-only coverage costs approximately $438 a year, with high-risk coverage costing around $4,018. 16-year-old drivers pay the most at $6,596 a year or more.
Average premium for full coverage: $1,848
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac Lyriq go from as cheap as $438 for minimum levels of liability insurance to a much higher rate of $4,018 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than 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.
Additional Rate Details
The chart below details estimated Cadillac Lyriq insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,031
- Choosing higher $1,000 deductibles can save $298 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,848
- Buying more expensive low deductibles for comp and collision coverage will cost $2,434
- Drivers with multiple tickets or accidents could pay around $4,018 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost $6,596 each year
Insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, your driving record, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $6,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $2,200 to $2,900 extra annually, depending on your age. High-risk driver insurance ranges around 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $890 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Cadillac Lyriq insurance rates. A good driver about age 40 could pay as low as $1,330 a year in states like Utah, Ohio, and New Hampshire, or at least $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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices will be substantially different between companies.
| 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 Buy More Affordable Cadillac Lyriq Insurance
Finding better rates on auto insurance takes being a good driver, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a summary of the information illustrated above.
- You may be able to save around $230 per year simply by shopping early and online
- Drivers age 16 to 20 are expensive to insure, possibly costing $550 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $875 each year
- Drivers who have multiple accidents or major violations may pay on average $2,170 more per year than a safer driver
- Consumers who purchase an increased level of liability coverage will pay around $410 every year to raise limits from 30/60 bodily injury limits to higher 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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