Cadillac Lyriq Insurance Rates

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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 insurance costs around $444 a year, collision insurance costs $874, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs $4,018 or more. 16-year-old drivers receive the highest rates at up to $6,596 a year.

Average premium for full coverage: $1,848

Rate estimates for individual coverage type:

Comprehensive $444
Collision $874
Liability $372

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Lyriq trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $438 for basic liability insurance to a high of $4,018 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,848
High Risk $4,018

Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The diagram below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,386
Small Cities $1,940
Large Cities $2,495

These examples show why it is important to compare prices for a specific zip code and risk profile, 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.

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Rate Comparisons

The chart below shows average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,031
  • Using higher $1,000 deductibles will save about $1,550 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,848
  • Buying low $100 deductibles for physical damage coverage will cost an extra $586 each year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $4,018
  • The cost for full coverage for a teenage driver can be $6,596 or more

View Chart as Image

Cadillac Lyriq insurance cost comparison chart
Column chart showing Cadillac Lyriq insurance prices range from $1,031 to $6,596 for full coverage

Insurance rates for a Cadillac Lyriq can also vary considerably based on your driver profile, the trim level of your Lyriq, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,700 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $6,500 a year. View Rates by Age

Where you live has a huge impact on Cadillac Lyriq insurance rates. A driver around age 40 might see 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.

Cadillac Lyriq Insurance Rates by State
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%

View Chart as Image

Cadillac Lyriq insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $890 a year, while buying higher liability limits will increase rates. 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 least $2,200 to $2,900 additional per year, depending on your age. A high-risk auto insurance policy can be around 44% to 133% more than the average rate. View High Risk Driver Rates

Cadillac Lyriq Insurance Rates by Model Year
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 Best Cadillac Lyriq Insurance

Saving money on auto insurance requires being a low-risk driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The items below are a brief recap of the coverage data presented in the illustrations above.

  • Drivers can save up to $230 per year just by quoting early and online
  • Increasing deductibles can save around $875 each year
  • Teen drivers are charged the highest rates, costing as high as $550 per month including comprehensive and collision insurance
  • Drivers who tend to receive serious violations may be required to pay an average of $2,170 more every year to insure their Lyriq

Rates by Driver Age

Cadillac Lyriq Insurance 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

Cadillac Lyriq Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,434
$250 $2,162
$500 $1,848
$1,000 $1,550

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Lyriq Insurance Rates with Different Liability Limits
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

Cadillac Lyriq Insurance 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.

SR-22 Surcharge $264

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
Rate after discounts $1,031

Discounts are estimated and may not be available from every company or in every state.

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