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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Average insurance prices for a Cadillac Lyriq are $1,848 every 12 months with full coverage. Comprehensive costs on average $444 a year, collision insurance costs $874, and liability coverage is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs around $4,018. Teenage drivers receive the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Lyriq trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $438 for just liability insurance to a high of $4,018 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than using average rates.
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 Details
The chart below details average Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,031
- Raising to $1,000 deductibles will save around $1,550 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,848
- Using low $100 deductibles increases the price to $2,434
- Unlucky drivers who are prone to accidents and violations could pay upwards of $4,018
- The cost to insure a teenage driver may cost $6,596
Car insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Lyriq.
Using high physical damage deductibles can reduce rates by up to $890 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $2,200 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find rates as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,500 on average in Florida, Michigan, 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% |
| 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 Shop for More Affordable Cadillac Lyriq Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a summary of the material that was covered above.
- Consumers who require higher liability limits will pay an extra $410 every year to raise from a minimum limit to a 250/500 level
- Teens are expensive to insure, with premiums as much as $550 per month if the policy includes full coverage
- Drivers who have multiple accidents or major violations may pay on average $2,170 more each year for Lyriq insurance
- Increasing deductibles could save as much as $875 each year
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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