Buick Lacrosse Insurance Rates
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UPDATED: Apr 18, 2024
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Are Buick LaCrosses expensive to maintain insurance on compared to other vehicles? Buick LaCrosse insurance rates cost an average of $116 a month, or $1,394 a year.
While rates may be higher for certain drivers, such as 2011 Buick LaCrosse teenager insurance, read our guide to learn about the best ways to find cheap car insurance for a LaCrosse.
To start comparing Buick LaCrosse insurance rates, use our free tool above.
Average auto insurance rates for a Buick Lacrosse are $1,126 annually with full coverage. Comprehensive costs on average $232, collision insurance costs $368, and liability insurance costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $2,430. Teens receive the highest rates at up to $4,276 a year.
Average premium for full coverage: $1,126
Rate estimates by individual coverage type:
Prices are based on $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Lacrosse trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $438 for liability-only coverage to a much higher rate of $2,430 for high-risk insurance.
Price Range by Location
Your location has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on 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.
Additional Charts and Tables
The chart below details average Buick Lacrosse insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $659
- Drivers who choose higher $1,000 deductibles will pay around $136 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,126
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,390
- High risk drivers with serious driving violations could pay upwards of $2,430
- The cost with full coverage for a teen driver with full coverage may cost $4,276 a year
Auto insurance rates for a Buick Lacrosse can also vary considerably based on the trim level of your Lacrosse, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $400 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,018 | -$108 | -9.6% |
| Alaska | $864 | -$262 | -23.3% |
| Arizona | $936 | -$190 | -16.9% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,286 | $160 | 14.2% |
| Colorado | $1,076 | -$50 | -4.4% |
| Connecticut | $1,158 | $32 | 2.8% |
| Delaware | $1,274 | $148 | 13.1% |
| Florida | $1,406 | $280 | 24.9% |
| Georgia | $1,042 | -$84 | -7.5% |
| Hawaii | $810 | -$316 | -28.1% |
| Idaho | $764 | -$362 | -32.1% |
| Illinois | $840 | -$286 | -25.4% |
| Indiana | $850 | -$276 | -24.5% |
| Iowa | $760 | -$366 | -32.5% |
| Kansas | $1,070 | -$56 | -5.0% |
| Kentucky | $1,538 | $412 | 36.6% |
| Louisiana | $1,668 | $542 | 48.1% |
| Maine | $698 | -$428 | -38.0% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $898 | -$228 | -20.2% |
| Michigan | $1,956 | $830 | 73.7% |
| Minnesota | $944 | -$182 | -16.2% |
| Mississippi | $1,350 | $224 | 19.9% |
| Missouri | $1,000 | -$126 | -11.2% |
| Montana | $1,210 | $84 | 7.5% |
| Nebraska | $888 | -$238 | -21.1% |
| Nevada | $1,350 | $224 | 19.9% |
| New Hampshire | $814 | -$312 | -27.7% |
| New Jersey | $1,260 | $134 | 11.9% |
| New Mexico | $996 | -$130 | -11.5% |
| New York | $1,186 | $60 | 5.3% |
| North Carolina | $650 | -$476 | -42.3% |
| North Dakota | $924 | -$202 | -17.9% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,156 | $30 | 2.7% |
| Oregon | $1,034 | -$92 | -8.2% |
| Pennsylvania | $1,074 | -$52 | -4.6% |
| Rhode Island | $1,504 | $378 | 33.6% |
| South Carolina | $1,022 | -$104 | -9.2% |
| South Dakota | $950 | -$176 | -15.6% |
| Tennessee | $986 | -$140 | -12.4% |
| Texas | $1,358 | $232 | 20.6% |
| Utah | $834 | -$292 | -25.9% |
| Vermont | $770 | -$356 | -31.6% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $870 | -$256 | -22.7% |
| West Virginia | $1,034 | -$92 | -8.2% |
| Wisconsin | $778 | -$348 | -30.9% |
| Wyoming | $1,004 | -$122 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $1,070 | $89 |
| Buick Lacrosse CXL | $1,100 | $92 |
| Buick Lacrosse CXL AWD | $1,126 | $94 |
| Buick Lacrosse CXS | $1,156 | $96 |
Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Buick Lacrosse | $282 | $512 | $376 | $1,306 |
| 2019 Buick Lacrosse | $270 | $474 | $384 | $1,264 |
| 2018 Buick Lacrosse | $260 | $446 | $388 | $1,230 |
| 2017 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2016 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2015 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2014 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 2013 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2012 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
| 2011 Buick Lacrosse | $184 | $248 | $402 | $970 |
| 2010 Buick Lacrosse | $174 | $226 | $402 | $938 |
| 2008 Buick Lacrosse | $166 | $198 | $390 | $890 |
| 2007 Buick Lacrosse | $162 | $188 | $384 | $870 |
| 2006 Buick Lacrosse | $148 | $180 | $380 | $844 |
Rates are averaged for all Buick Lacrosse 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 Buick Lacrosse Insurance
Saving money on Buick Lacrosse insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief review of the material that was raised in the charts and tables above.
- Drivers who require higher liability limits will pay approximately $430 every year to go from a minimum limit to higher 250/500 limits
- Teens are charged the highest rates, with premiums as much as $356 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,300 more each year for Lacrosse insurance
- Increasing deductibles could save up to $400 each year
How can you make your insurance cheaper? Comparing rates is the best way to find cheap prices. So if you are looking for how much does 2010, 2013, 2014, or 2017 Buick Lacrosse cost to insure, as well as various other model years, start by getting quotes.
Use our free rate comparison tool below to find the best Buick LaCrosse insurance rates.
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What are the safety ratings of the Buick LaCrosse?
The Buick LaCrosse has some great safety features, which can help drivers get discounts on car insurance. Safety features include a review camera, rear parking sensors, lane departure warning.
The Buick LaCrosse safety ratings are also good. The Insurance Institute for Highway Safety (IIHS) gave the Buick LaCrosse the following ratings for crash tests:
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
To see how the IIHS crash-tested the Buick LaCrosse, watch the video below.
Buick LaCrosse Compared Against Other Vehicles in the Same Class
The Buick LaCrosse is a large car, which means it can more easily damage other vehicles and drivers in a crash. Luckily, the IIHS found that the Buick LaCrosse’s liability losses were substantially better than average and average. This means liability insurance rates should be normal.
The list below shows other large cars, so you can see how the Buick LaCrosse’s rates compare.
Use our free tool to find cheap rates for your Buick LaCrosse, whether you are looking for rates for 2015 Buick LaCrosse trim levels or 2017 Buick LaCrosse savings. Enter your ZIP code to get started.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,276 |
| 20 | $2,582 |
| 30 | $1,168 |
| 40 | $1,126 |
| 50 | $1,032 |
| 60 | $1,012 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,390 |
| $250 | $1,268 |
| $500 | $1,126 |
| $1,000 | $990 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,234 |
| 100/300 | $1,332 |
| 250/500 | $1,585 |
| 100 CSL | $1,273 |
| 300 CSL | $1,488 |
| 500 CSL | $1,644 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,082 |
| 20 | $4,110 |
| 30 | $2,476 |
| 40 | $2,430 |
| 50 | $2,320 |
| 60 | $2,296 |
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 | $59 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $48 |
| Advance Quote | $54 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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