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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac Lyriq are $1,848 every 12 months with full coverage. Comprehensive costs on average $444, collision costs $874, and liability coverage costs around $372. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $4,018. Teen drivers pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates by individual coverage:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Lyriq models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac Lyriq insurance prices go from the cheapest price of $438 for just the minimum liability insurance to the much higher price of $4,018 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location 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 Analysis
The chart below details estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,031
- Using higher $1,000 deductibles will save around $298 annually
- The average price for the average middle-age driver with $500 deductibles is $1,848
- Choosing pricier low deductibles for physical damage coverage increases the price to $2,434
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,018 or more
- The price to insure a teenage driver for full coverage may cost $6,596 or more
Car insurance prices for a Cadillac Lyriq are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Lyriq.
Choosing high deductibles could cut prices by as much as $890 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,700 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $6,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $2,200 to $2,900 extra each year, depending on your age. Cadillac Lyriq insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac Lyriq insurance rates. A driver around age 40 might see prices as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,500 on average in Florida, Michigan, 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
| 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 Low Cost Cadillac Lyriq Insurance
Getting lower rates on auto insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a review of the concepts that were raised in the charts and tables above.
- Drivers who have several accidents or serious violations may pay on average $2,170 more each year than a safer driver
- Drivers age 16 to 20 are expensive to insure, costing up to $550 a month if the policy includes full coverage
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $875 each year
- You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
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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