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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U.S. average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive costs approximately $444 each year, collision costs $874, and liability is $372. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing around $4,018. Teenage drivers pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Lyriq models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac Lyriq insurance prices go from the low end price of $438 for your basic liability-only policy to a high rate of $4,018 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location, instead of making a decision based on average rates.
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 and risk scenarios.
- The best discount rate is $1,031
- Raising to $1,000 deductibles will save $298 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,848
- Using low deductibles bumps up the cost to $2,434
- Drivers who are prone to accidents and violations could pay around $4,018 or more
- The price that insures a 16-year-old driver can cost $6,596
Insurance prices for a Cadillac Lyriq are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $2,200 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,500 a year. View Rates by Age
The state you live in also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find prices as low as $1,220 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $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% |
Using high physical damage deductibles can reduce prices by up to $890 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices 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 Find More Affordable Cadillac Lyriq Insurance
Getting lower rates on insurance for a Cadillac Lyriq consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices once a year by getting quotes from direct carriers, and also from insurance agencies where you live.
The list below is a summary of the data that was touched on in the above illustrations.
- Drivers can save around $230 per year simply by quoting online in advance
- Insureds who purchase higher liability limits will pay an extra $410 each year to raise from a low limit to the 250/500 level
- Teenagers are expensive to insure, with premiums as much as $550 a month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $2,170 more per year for car insurance
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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