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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U.S. average insurance prices for a Cadillac Lyriq are $1,848 every 12 months with full coverage. Comprehensive costs around $444, collision insurance costs $874, and liability insurance is estimated at $372. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $4,018. Teenage drivers pay the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Lyriq models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac Lyriq insurance prices range from the cheapest price of $438 for minimum levels of liability insurance to the much higher price of $4,018 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below details average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,031
- Choosing higher $1,000 deductibles can save about $298 annually
- The average price for the average middle-age driver using $500 deductibles is $1,848
- Using pricier low deductibles for comp and collision coverage increases the price to $2,434
- High-risk insureds who are prone to accidents and violations could pay at least $4,018
- The price to insure a teen driver for full coverage can be $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 trim level and model year.
Using high physical damage deductibles can save as much as $890 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,700 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $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 at least $2,200 to $2,900 extra each year, depending on your age. Cadillac Lyriq insurance for high-risk drivers ranges anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in 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 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 Affordable Cadillac Lyriq Insurance
Getting lower rates on Cadillac Lyriq insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief review of the coverage data touched on in the above illustrations.
- You may be able to save up to $230 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $875 each year
- Drivers age 16 to 20 pay higher prices, costing up to $550 a month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $2,170 more every year than a safer 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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