Cadillac Lyriq Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Cadillac Lyriq are $1,848 annually with full coverage. Comprehensive costs around $444, collision costs $874, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance 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:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different 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 liability-only coverage to a much higher rate of $4,018 for high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than 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 Charts and Tables
The chart below details estimated Cadillac Lyriq insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,031
- Drivers who choose higher $1,000 deductibles will pay about $298 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,848
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $2,434
- High-risk insureds with multiple tickets or accidents could pay at least $4,018 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage can be $6,596 a year
Auto insurance prices for a Cadillac Lyriq also have a wide range based on the model of your Lyriq, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have 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 may be forking out at least $2,200 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $890 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Cadillac Lyriq insurance rates. A 40-year-old driver could pay as low as $1,330 a year in states like New Hampshire, Ohio, and Utah, or 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% |
With such a large range in prices, the best way to find out your exact price is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.
| 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 Buy Affordable Cadillac Lyriq Insurance
Finding better rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The following list is a brief review of the material that was covered in the above illustrations.
- Consumers who may need an increased level of liability coverage will pay around $410 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, possibly costing $550 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $2,170 more every year than a safer driver
- Increasing policy deductibles could save up to $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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