Cadillac Lyriq Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac Lyriq are $1,848 every 12 months for full coverage. Comprehensive insurance costs an estimated $444 a year, collision insurance costs $874, and liability costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs $4,018 or more. Teens cost the most to insure at up to $6,596 a year.
Average premium for full coverage: $1,848
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Lyriq trim levels.
Price Range Variability
For a driver in their 40's, Cadillac Lyriq insurance rates range from the cheapest price of $438 for your basic liability-only policy to a high of $4,018 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.
The examples above show why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 average Cadillac Lyriq insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,031
- Using higher $1,000 deductibles will save approximately $1,550 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,848
- Selecting low $100 deductibles for physical damage coverage costs an extra $586 annually
- High-risk insureds with serious driving violations could pay up to $4,018
- Policy cost to insure a 16-year-old driver can cost as much as $6,596 or more
Insurance rates for a Cadillac Lyriq also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $890 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $6,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,200 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Cadillac Lyriq insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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 cheaper rates on insurance for a Cadillac Lyriq requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by quoting rates from direct carriers, and also from several local insurance agents.
The points below are a condensed summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,170 more annually to insure a Cadillac Lyriq
- Drivers under the age of 20 are charged the highest rates, costing up to $550 each month if they have full coverage
- Drivers can save approximately $230 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $875 each year
- Drivers can save approximately $230 per year just by quoting early and online
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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