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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Average insurance prices for a Cadillac Lyriq are $1,848 every 12 months for full coverage insurance. Comprehensive costs on average $444 each year, collision insurance costs $874, and liability is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $4,018. 16-year-old 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:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Lyriq models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $438 for the bare minimum liability coverage to a high rate of $4,018 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.
These examples illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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.
Additional Rate Information
The chart below illustrates average Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,031
- Raising to $1,000 deductibles will save around $298 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,848
- Buying low deductibles increases the price to $2,434
- At-risk drivers with multiple tickets or accidents could pay upwards of $4,018
- The cost to insure a teen driver may cost $6,596
Insurance rates for a Cadillac Lyriq can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Lyriq.
Opting for high physical damage deductibles can reduce rates by up to $890 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards 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 at a minimum $2,200 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Cadillac Lyriq insurance prices. A middle-age driver might find rates as low as $1,210 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,500 on average in Michigan, New York, and Florida.
| 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 More Affordable Cadillac Lyriq Insurance
Saving money on car insurance consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a summary of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations pay on average $2,170 more each year to insure their Lyriq
- It is possible to save as much as $230 per year just by quoting online in advance
- Increasing deductibles could save as much as $875 each year
- Policyholders who require more liability coverage will pay around $410 annually to raise from a minimum limit to a 250/500 level
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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