Cadillac Lyriq Insurance Rates
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Michelle Robbins
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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 costs around $444, collision costs $874, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $4,018. 16-year-old drivers receive the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Rate estimates for individual coverage type:
Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Lyriq trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $438 for your basic liability-only policy to a much higher rate of $4,018 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of 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.
More Rate Information
The chart below shows estimated Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,031
- Raising to $1,000 deductibles will save about $298 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,848
- Buying more expensive low deductibles will increase the cost to $2,434
- At-risk drivers with multiple tickets or accidents could pay at least $4,018 or more
- The cost for full coverage for a teen driver with full coverage can be $6,596
Car 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.
An older driver with no driving violations and high deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $6,500 a year. View Rates by Age
Where you live also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find 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.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $890 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. 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 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| 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 Find Low Cost Cadillac Lyriq Insurance
Saving money on car insurance consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below is a review of the coverage data touched on in this article.
- Drivers can save up to $230 per year simply by shopping early and online
- Increasing deductibles can save around $875 each year
- Teenage drivers are the costliest to insure, costing as high as $550 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $2,170 more every year for auto insurance
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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