Cadillac Lyriq Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac Lyriq are $1,848 a year for full coverage. Comprehensive insurance costs on average $444, collision costs $874, and liability costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing $4,018 or more. Teens pay the highest rates at $6,596 a year or more.
Average premium for full coverage: $1,848
Price estimates by individual coverage:
Rate estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Lyriq trim levels.
Price Range from Low to High
For a 40-year-old driver, Cadillac Lyriq insurance prices go from the low end price of $438 for your basic liability-only policy to a much higher rate of $4,018 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
The ranges above show why anyone shopping for car insurance should compare prices based on a specific location, 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.
More Rate Information
The chart below shows estimated Cadillac Lyriq insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,031
- Using higher $1,000 deductibles will save around $298 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,848
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $586 every year
- Drivers with serious driving violations could pay upwards of $4,018 or more
- The price that insures a teen driver with full coverage may cost $6,596 or more
Insurance prices for a Cadillac Lyriq are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $2,200 to $2,900 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $6,500 a year. View Rates by Age
The state you live in 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 have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $890 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so the prices may be quite different.
| 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
Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare rates once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The following is a brief recap of the data that was illustrated above.
- Drivers can save as much as $230 per year simply by shopping early and online
- Policyholders who require higher liability limits will pay approximately $410 each year to increase from a low limit to the 250/500 level
- Teens pay the highest prices, with premiums as much as $550 a month if full coverage is included
- Higher risk drivers who tend to receive serious violations may pay on average $2,170 more each year for Lyriq insurance
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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