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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U.S. average auto insurance rates for a Cadillac Lyriq are $1,848 annually including full coverage. Comprehensive insurance costs approximately $444, collision costs $874, and liability insurance is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing $4,018 or more. Teens pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Lyriq models.
Price Range from Low to High
For a driver around age 40, Cadillac Lyriq insurance prices go from as cheap as $438 for basic liability insurance to the much higher price of $4,018 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on 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.
Rate Comparisons
The chart below breaks down estimated Cadillac Lyriq insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,031
- Raising to $1,000 deductibles will save $298 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,848
- Selecting pricier low deductibles costs an additional $586 a year
- Higher-risk drivers with serious driving violations could pay around $4,018 or more
- The price with full coverage for a teen driver for full coverage can cost $6,596
Auto insurance prices for a Cadillac Lyriq are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $2,900 in extra premium each year, depending on your age. Cadillac Lyriq insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $890 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find prices as low as $1,420 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,640 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite different between companies.
| 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 Buy the Right Cadillac Lyriq Insurance
Getting lower rates on Cadillac Lyriq insurance consists of having a decent driving record, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a quick rundown of the concepts that were covered above.
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $2,170 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $550 a month if full coverage is included
- You may be able to save around $230 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $875 each year
- You may be able to save around $230 per year simply by quoting online well ahead of the renewal date
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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