Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac Lyriq are $1,848 a year including full coverage. Comprehensive costs an estimated $444 each year, collision costs $874, and liability coverage is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing around $4,018. Teen drivers cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates broken down by type of insurance:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Lyriq models.
Price Range Variability
Using a middle-aged driver as an example, Cadillac Lyriq insurance rates go from as low as $438 for just liability coverage to a high rate of $4,018 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
The examples above highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than using price 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.
Detailed Rate Analysis
The chart below breaks down estimated Cadillac Lyriq insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,031
- Raising to $1,000 deductibles will save approximately $298 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,848
- Choosing low deductibles will increase the cost to $2,434
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $4,018 or more
- Policy cost for full coverage for a teenage driver can cost as much as $6,596
Car insurance rates for a Cadillac Lyriq also range considerably based on your risk profile, the model of your Lyriq, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,500 a year. View Rates by Age
Your home state also has a big influence on Cadillac Lyriq insurance rates. A middle-age driver might find rates as low as $1,420 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
Choosing high deductibles can reduce rates by up to $890 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,200 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| 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 Low Cost Cadillac Lyriq Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a review of the data that was touched on in the above illustrations.
- You may be able to save approximately $230 per year simply by quoting online in advance
- Consumers who want more liability coverage will pay about $410 per year to raise from a 30/60 limit to 250/500 limits
- Teen drivers have the highest car insurance rates, with premiums being up to $550 each month if full coverage is included
- Drivers who have several accidents or serious violations may pay on average $2,170 more annually to insure their Lyriq
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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