Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive costs around $444, collision costs $874, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $4,018. 16-year-old drivers receive the highest rates at $6,596 a year or more.

Average premium for full coverage: $1,848

Rate estimates for individual coverage type:

Comprehensive $444
Collision $874
Liability $372

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Lyriq trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $438 for your basic liability-only policy to a much higher rate of $4,018 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,848
High Risk $4,018

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,386
Small Cities $1,940
Large Cities $2,495

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of 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 Information

The chart below shows estimated Cadillac Lyriq insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,031
  • Raising to $1,000 deductibles will save about $298 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,848
  • Buying more expensive low deductibles will increase the cost to $2,434
  • At-risk drivers with multiple tickets or accidents could pay at least $4,018 or more
  • The cost for full coverage for a teen driver with full coverage can be $6,596

View Chart as Image

Cadillac Lyriq insurance cost comparison chart
Column chart showing full coverage Cadillac Lyriq insurance rates range from $1,031 to $6,596

Car insurance rates for a Cadillac Lyriq can also vary considerably based on your driver profile, the trim level of your Lyriq, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $6,500 a year. View Rates by Age

Where you live also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates 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.

Cadillac Lyriq Insurance Rates by State
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%

View Chart as Image

Cadillac Lyriq insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $890 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $2,200 to $2,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

Cadillac Lyriq Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac Lyriq $424 $840 $390 $1,812

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 Low Cost Cadillac Lyriq Insurance

Saving money on car insurance consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below is a review of the coverage data touched on in this article.

  • Drivers can save up to $230 per year simply by shopping early and online
  • Increasing deductibles can save around $875 each year
  • Teenage drivers are the costliest to insure, costing as high as $550 per month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may be required to pay an average of $2,170 more every year for auto insurance

Rates by Driver Age

Cadillac Lyriq Insurance 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

Cadillac Lyriq Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,434
$250 $2,162
$500 $1,848
$1,000 $1,550

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Lyriq Insurance Rates with Different Liability Limits
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

Cadillac Lyriq Insurance 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.

SR-22 Surcharge $264

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
Rate after discounts $1,031

Discounts are estimated and may not be available from every company or in every state.

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