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 insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage insurance. Comprehensive insurance costs an estimated $444, collision costs $874, and liability is $372. A liability-only policy costs around $438 a year, with high-risk insurance costing $4,018 or more. 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:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Lyriq trim levels.
Price Range Variability
For the normal driver, Cadillac Lyriq insurance rates go from the low end price of $438 for your basic liability-only policy to a much higher rate of $4,018 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on 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.
More Rate Information
The chart below illustrates 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 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,848
- Choosing more expensive low deductibles will cost an additional $586 annually
- Drivers with multiple violations and an at-fault accident could pay up to $4,018 or more
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $6,596
Car insurance rates for a Cadillac Lyriq also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $2,200 to $2,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records 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 prices. A middle-age driver might find rates as low as $1,210 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,500 on average in Florida, 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 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.
| 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 Cheaper Cadillac Lyriq Insurance
Finding cheaper rates on insurance for a Cadillac Lyriq consists of having a good driving record, having a positive credit history, being claim-free, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The next list is a condensed summary of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $2,170 more annually to buy Cadillac Lyriq insurance
- It is possible to save approximately $230 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $875 each year
- Insureds who want increased levels of liability coverage will pay about $410 annually to raise from a 30/60 limit to the 250/500 level
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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