Cadillac Lyriq Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average insurance prices for a Cadillac Lyriq are $1,848 every 12 months for full coverage insurance. Comprehensive costs approximately $444 each year, collision insurance costs $874, and liability insurance is $372. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs around $4,018. Teen drivers receive the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Lyriq models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $438 for liability-only coverage to a high rate of $4,018 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.
These examples illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying 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.
Additional Charts and Tables
The chart below illustrates average Cadillac Lyriq insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,031
- Raising to $1,000 deductibles will save $298 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,848
- Choosing low deductibles increases the price to $2,434
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $4,018
- The cost to insure a teen driver can cost $6,596
Insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Lyriq.
Choosing high deductibles can reduce rates by up to $890 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,200 to $2,900 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
Where you live also has a big influence on Cadillac Lyriq insurance rates. 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% |
| 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 the Cheapest Cadillac Lyriq Insurance
Saving money on Cadillac Lyriq insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a recap of the material that was illustrated above.
- Drivers who purchase additional liability coverage will pay about $410 annually to raise from a minimum limit to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, costing up to $550 per month if full coverage is included
- High-risk drivers that have major violations or accidents may have to pay on average $2,170 more per year than a driver with a clean driving record
- Increasing deductibles could save as much as $875 each year
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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