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 with full coverage. Comprehensive costs around $444 a 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. Teens receive the highest rates at up to $6,596 a year.
Average premium for full coverage: $1,848
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Lyriq trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $438 for just the minimum liability insurance to a high of $4,018 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying 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.
Additional Rate Analysis
The chart below details average Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,031
- Raising to $1,000 deductibles will save about $1,550 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,848
- Selecting low $100 deductibles increases the price to $2,434
- Higher-risk drivers with serious driving violations could pay at least $4,018
- The cost to insure a teen driver can be $6,596
Insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 each year, while buying higher liability limits will increase rates. Moving 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
Older 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 much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,200 to $2,900 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average policy. 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 $1,330 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,500 on average in Florida, Michigan, and New York.
| 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
Saving money on Cadillac Lyriq insurance consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the material that was covered above.
- Drivers who may need increased liability limits will pay approximately $410 every year to raise from a minimum limit to a 250/500 level
- Drivers under the age of 20 are charged the highest rates, with premiums as much as $550 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay on average $2,170 more every year to insure a Cadillac Lyriq
- 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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