Cadillac Lyriq Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage insurance. Comprehensive insurance costs an estimated $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 $4,018 or more. Teens receive the highest rates at $6,596 a year or more.

Average premium for full coverage: $1,848

Rate estimates broken down by individual coverage type:

Comprehensive $444
Collision $874
Liability $372

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Lyriq models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the low end price of $438 for the bare minimum liability coverage to a high rate of $4,018 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,848
High Risk $4,018

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $1,386
Small Cities $1,940
Large Cities $2,495

These examples illustrate why all drivers should compare rates quotes for a targeted area, instead of using 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 Information

The chart below illustrates estimated Cadillac Lyriq insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,031
  • Raising to $1,000 deductibles will save approximately $298 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,848
  • Selecting low deductibles will cost an additional $586 every year
  • At-risk drivers with serious driving violations could pay up to $4,018 or more
  • The cost that insures a teen driver can cost as much as $6,596

View Chart as Image

Cadillac Lyriq insurance cost comparison chart
Column chart showing full coverage Cadillac Lyriq insurance prices range from $1,031 to $6,596

Insurance rates for a Cadillac Lyriq can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $2,200 to $2,900 additional 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 policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,500 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,500 on average in Florida, New York, and Michigan.

Cadillac Lyriq Insurance Rates by State
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%

View Chart as Image

Cadillac Lyriq insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different.

Cadillac Lyriq Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac Lyriq $424 $840 $390 $1,812

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 the Best Cadillac Lyriq Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the coverage data covered in the charts and tables above.

  • It is possible to save approximately $230 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $875 each year
  • Teenagers are expensive to insure, costing up to $550 per month if comprehensive and collision insurance is included
  • Higher risk drivers who tend to receive serious violations may have to pay on average $2,170 more annually for car insurance

Rates by Driver Age

Cadillac Lyriq Insurance 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

Cadillac Lyriq Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,434
$250 $2,162
$500 $1,848
$1,000 $1,550

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Lyriq Insurance Rates with Different Liability Limits
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

Cadillac Lyriq Insurance 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.

SR-22 Surcharge $264

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
Rate after discounts $1,031

Discounts are estimated and may not be available from every company or in every state.

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