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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The average auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage. Comprehensive insurance costs around $444, collision costs $874, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $4,018 or more. 16-year-old drivers cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates for type of insurance:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Lyriq models.
Price Range Variability
For a 40-year-old driver, Cadillac Lyriq insurance rates go from as cheap as $438 for a discount liability-only rate to the much higher price of $4,018 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and their own personal driving habits, 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 shows estimated Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,031
- Choosing higher $1,000 deductibles can save about $298 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,848
- Buying pricier low deductibles for comp and collision coverage costs an additional $586 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $4,018 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage can be $6,596 each year
Auto insurance rates for a Cadillac Lyriq also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,200 to $2,900 in extra premium every year, depending on your age. Cadillac Lyriq insurance for high-risk drivers ranges from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $890 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac Lyriq insurance prices. A good driver about age 40 could pay 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 Buy More Affordable Cadillac Lyriq Insurance
Finding cheaper rates on insurance for a Cadillac Lyriq takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a summary of the car insurance concepts illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $2,170 more every year to buy Cadillac Lyriq insurance
- Drivers can save up to $230 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $875 each year
- Insureds who may need increased levels of liability coverage will pay around $410 each year to raise limits from a 30/60 limit to higher 250/500 limits
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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