Cadillac Lyriq Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Cadillac Lyriq are $1,848 annually including full coverage. Comprehensive insurance costs around $444, collision insurance costs $874, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $4,018 or more. 16-year-old drivers pay the most at up to $6,596 a year.
Average premium for full coverage: $1,848
Premium estimates for type of coverage:
Includes $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac Lyriq range from as cheap as $438 for just liability insurance to a much higher rate of $4,018 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than 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 Details
The chart below breaks down average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,031
- Using higher $1,000 deductibles will save about $298 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,848
- Buying more expensive low deductibles for physical damage coverage costs an additional $586 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $4,018
- An auto insurance policy with full coverage for a teenage driver with full coverage can be $6,596 or more
Auto insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, 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 violations or you caused a few accidents, you are likely paying at least $2,200 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $890 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac Lyriq insurance rates. A driver around age 40 might see prices as low as $1,420 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,640 on average in Michigan, New York, and Louisiana.
| 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 Buy the Cheapest Cadillac Lyriq Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a recap of the car insurance concepts covered in the charts and tables above.
- Drivers that have major violations or accidents may pay on average $2,170 more every year for Lyriq insurance
- You may be able to save up to $230 per year just by shopping early and online
- Increasing policy deductibles could save up to $875 each year
- Consumers who may need higher liability limits will pay around $410 per year to increase from 30/60 bodily injury limits 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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