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...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac Lyriq are $1,848 every 12 months with full coverage. Comprehensive costs an estimated $444, collision costs $874, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $4,018. 16-year-old drivers pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Lyriq trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac Lyriq insurance prices go from the cheapest price of $438 for a discount liability-only rate to a much higher rate of $4,018 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details estimated Cadillac Lyriq insurance rates for other coverage scenarios.
- The best full coverage rate is $1,031
- Choosing higher $1,000 deductibles can save approximately $298 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,848
- Buying more expensive low deductibles for comp and collision coverage increases the price to $2,434
- Higher-risk drivers with multiple tickets or accidents could pay up to $4,018 or more
- The price to insure a 16-year-old driver with full coverage can cost as much as $6,596 each year
Insurance prices for a Cadillac Lyriq are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $890 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $6,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $2,200 to $2,900 additional each year, depending on your age. High-risk driver insurance ranges from 44% to 133% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac Lyriq insurance prices. 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.
| 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 the Best Cheap Cadillac Lyriq Insurance
Getting lower rates on insurance for a Cadillac Lyriq takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick review of the data that was touched on in the above illustrations.
- You may be able to save approximately $230 per year simply by shopping early and online
- Insureds who want more liability protection will pay around $410 every year to raise limits from a low limit to a 250/500 level
- Youthful drivers are expensive to insure, costing up to $550 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,170 more annually than a low-risk driver
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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