Cadillac Lyriq Luxury (electric) cost to own in Iowa — the true 5-year total
The Cadillac Lyriq Luxury (electric) starts at $59,200. As of July 1, 2026, over 5 years, owning one (EV) costs about $74,539 in Iowa — $1,242/month, $1.24/mile — including depreciation, charging (with the ~12% AC charging loss most calculators ignore), maintenance, insurance, financing and fees. That's $34,188 more than a comparable Toyota RAV4 LE (gas) over the same 5 years. Iowa's electricity (13.9¢/kWh) is 26% below the U.S. average, and gas runs $3.48/gal here — both fed straight into the numbers above. The federal $7,500 EV credit expired Sept 30, 2025 and is not applied.
Cadillac Lyriq Luxury (electric) · Iowa · 5-year estimate$74,539 total · $1,242/mo · $1.24/mi
Where the money goes
| Cost component | Electric · Cadillac Lyriq Luxury | Gas · Toyota RAV4 LE |
|---|---|---|
| Depreciation (estimated) | $40,256 (54%) | $10,800 (27%) |
| Charging / fuel | $4,668 (6%) | $6,968 (17%) |
| ↳ of which charging loss | 12% (~$560) | — |
| Maintenance | $3,660 (5%) | $5,520 (14%) |
| Insurance | $13,750 (18%) | $11,000 (27%) |
| Financing interest | $10,570 (14%) | $5,078 (13%) |
| Registration & fees | $1,635 (2%) | $985 (2%) |
| Total cost of ownership | $74,539 | $40,351 |
The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — we include it; most calculators don't.
Cadillac Lyriq Luxury (electric) specs & assumptions
- Starting MSRP
- $59,200manufacturer base
- Powertrain
- Electric
- Efficiency
- 38 kWh/100miEPA
- Range
- 319 miEPA
- Iowa electricity
- 13.9¢/kWhEIA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Cadillac Lyriq Luxury (electric) against any car, your miles & your state
What else moves your Cadillac Lyriq Luxury (electric) cost
The 5-year total already folds in depreciation, charging, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $59,200 at a typical 7.2% new-car APR over 60 months and interest alone adds about $11,470. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. This model averages about $2,750/yr to insure — roughly $550/yr more than a comparable gas car ($2,200/yr), as EV parts and repairs tend to cost more — our own estimate, calibrated to Insurify/Bankrate 2026, and already in the total above.
- Home charger. A Level 2 home charger is a one-time $500–$2,000 installed (depends on your panel and wiring) — not in the total above, but it pays back fast versus public fast-charging.
- Tires. EVs are heavier and make instant torque, so tires can wear ~20% faster — a real running cost most comparisons skip. We fold a higher maintenance rate for EVs into the total.
- Where you charge. Public DC fast-charging can cost 2–3× your home rate. The total assumes 80% home charging; if you can't charge at home, lower that share in the calculator to see the real cost.
Cost to charge the Cadillac Lyriq Luxury (electric) at home
A full charge of the Cadillac Lyriq Luxury (electric) costs about $16, and it runs about $5.98 per 100 mi at home — versus about $11.61 for a typical 30 mpg gas car. Home charging only (the ~12% AC charging loss is included); public DC fast-charging is billed per session by each network — often 2–3× the home rate — and isn't in these figures.
- Full charge (102 kWh usable)
- $16pack ÷ (1 − 12% loss) × $0.14/kWh
- Per 100 mi at home
- $5.9838 kWh/100mi + 12% charging loss × $0.14/kWh
- A typical 30 mpg gas car
- $11.61/100miat $3.48/gal — for comparison
Recalls & reliability record — Lyriq
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Lyriq, MY 2023–2026. Figures cover all powertrains and trims sold under the Lyriq nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (12)
- Equipment
Dealers will reset the vehicle radio, which will facilitate automatic download of the electronic owner’s manual, free of charge.
- Back Over Prevention
The vehicle cockpit unit (VCU) software will be updated by a dealer or through an over-the-air (OTA) update, free of charge.
- Electrical System
Dealers will inspect the high-voltage battery bolts and replace or re-tighten the bolts, as necessary, free of charge.
- Equipment
The video display control module software will be updated by a dealer, or through an over-the-air (OTA) update, free of charge.
- Suspension
Dealers will inspect and tighten the left and/or right stabilizer bar bracket bolts, as necessary, free of charge.
- Seats
GM will mail owner's manual inserts with the correct illustrations and descriptions for rear outboard head restraints, free of charge.
- Service BrakesOTA fix
The electronic brake control module software will be updated through an over-the-air (OTA) update or by a dealer, free of charge.
- Electrical System
Dealers will replace the rear drive unit, free of charge.
Full recall history: every Lyriq campaign → — all 12 campaigns, grouped by year.
Consumer complaints
NHTSA has 151 consumer complaints on file for the Lyriq (MY 2023–2026). The most-reported areas: Electrical System, Forward Collision Avoidance, Service Brakes. Complaints are unverified reports submitted by consumers to NHTSA.
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