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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Estimated auto insurance rates for a Cadillac Lyriq are $1,848 annually for full coverage. Comprehensive costs around $444 a year, collision costs $874, and liability costs around $372. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $4,018. 16-year-old drivers pay the most at $6,596 a year or more.
Average premium for full coverage: $1,848
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Lyriq trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac Lyriq go from as cheap as $438 for basic liability insurance to a high of $4,018 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why it is important to compare prices for a specific zip code and their own personal driving habits, 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.
Rate Comparisons
The chart below shows estimated Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,031
- Using higher $1,000 deductibles will save about $1,550 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,848
- Buying low $100 deductibles for physical damage coverage will cost $2,434
- Drivers with multiple tickets or accidents could pay at least $4,018 or more
- An auto insurance policy with full coverage for a teen driver can be $6,596 or more
Insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, your driver profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $6,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $2,200 to $2,900 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $890 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac Lyriq insurance prices. A driver around age 40 might see prices as low as $1,220 a year in states like Idaho, Maine, and Iowa, or at least $2,640 on average in Michigan, Louisiana, 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% |
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
| 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 Buy More Affordable Cadillac Lyriq Insurance
Finding better rates on car insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a summary of the concepts that were covered in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations pay an average of $2,170 more every year for car insurance
- Teenagers pay higher prices, as much as $550 per month including comprehensive and collision insurance
- Drivers can save up to $230 per year simply by quoting early and online
- Increasing policy deductibles could save up to $875 each year
- Drivers can save up to $230 per year simply by quoting early and online
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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