Cadillac Lyriq Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac Lyriq are $1,848 annually with full coverage. Comprehensive costs on average $444 a year, collision costs $874, and liability insurance costs around $372. Liability-only insurance costs as low as $438 a year, with high-risk driver insurance costing around $4,018. Teen drivers cost the most to insure at $6,596 a year or more.
Average premium for full coverage: $1,848
Policy rates by type of insurance:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Lyriq trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac Lyriq insurance rates go from as cheap as $438 for basic liability insurance to a high of $4,018 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below details estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,031
- Using higher $1,000 deductibles will save around $1,550 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,848
- Choosing low $100 deductibles for physical damage coverage will cost $2,434
- Drivers with multiple violations and an at-fault accident could pay upwards of $4,018 or more
- Policy cost with full coverage for a teen driver may cost $6,596 or more
Auto insurance rates for a Cadillac Lyriq also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $6,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $2,200 to $2,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $890 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac Lyriq insurance rates. A driver around age 40 might see rates as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied 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 the Cheapest Cadillac Lyriq Insurance
Finding cheaper rates on Cadillac Lyriq insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a recap of the ideas that were raised in the charts and tables above.
- Teens are charged the highest rates, as much as $550 each month if full coverage is included
- High-risk drivers that have major violations or accidents pay an average of $2,170 more each year for Lyriq insurance
- Increasing comprehensive and collision deductibles could save up to $875 each year
- You may be able to save as much as $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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