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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac Lyriq are $1,848 every 12 months for full coverage. Comprehensive insurance costs an estimated $444 each year, collision insurance costs $874, and liability coverage is estimated at $372. A policy with only liability insurance costs approximately $438 a year, and a high-risk policy costs $4,018 or more. Teen drivers pay the most at up to $6,596 a year.
Average premium for full coverage: $1,848
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Lyriq models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac Lyriq range from the cheapest price of $438 for the bare minimum liability coverage to a high rate of $4,018 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.
These rate differences show why all drivers should get quotes for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below shows average Cadillac Lyriq insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,031
- Choosing higher $1,000 deductibles can save approximately $298 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,848
- Choosing low deductibles for comp and collision coverage costs an extra $586 each year
- Drivers with multiple violations and an at-fault accident could pay up to $4,018
- An auto insurance policy to insure a teenage driver can cost as much as $6,596 each year
Car insurance prices for a Cadillac Lyriq also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $890 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $6,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $2,200 to $2,900 extra annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Cadillac Lyriq insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Iowa, Maine, and Idaho, or as much as $2,640 on average in New York, Louisiana, 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% |
| 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 Cheaper Cadillac Lyriq Insurance
Finding better rates on auto insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.
The items below are a condensed summary of the material that was raised in the charts and tables above.
- Consumers who want more liability coverage will pay about $410 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teen drivers have the highest car insurance prices, as much as $550 per month if the policy includes full coverage
- Drivers with multiple at-fault accidents pay on average $2,170 more annually to insure their Lyriq
- Increasing policy deductibles could save as much as $875 each year
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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