Buick Lacrosse Insurance Rates
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UPDATED: Jun 4, 2023
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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.
Estimated insurance prices for a Buick Lacrosse are $938 every 12 months for full coverage. Comprehensive costs around $174 a year, collision insurance costs $226, and liability insurance is $402. Liability-only insurance costs around $446 a year, and high-risk driver insurance costs around $2,008. Teenage drivers pay the most at up to $3,682 a year.
Average premium for full coverage: $938
Premium estimates for type of coverage:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Lacrosse trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Buick Lacrosse range from the cheapest price of $446 for basic liability insurance to a high of $2,008 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.
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 shows average Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The best discount rate is $565
- Raising to $1,000 deductibles will save about $846 a year
- The average price for a 40-year-old good driver using $500 deductibles is $938
- Using low $100 deductibles increases the price to $1,110
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,008
- An auto insurance policy to insure a teen driver can be $3,682
Insurance prices for a Buick Lacrosse also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $270 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $3,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,340 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $846 | -$92 | -9.8% |
| Alaska | $716 | -$222 | -23.7% |
| Arizona | $778 | -$160 | -17.1% |
| Arkansas | $938 | -$0 | 0.0% |
| California | $1,068 | $130 | 13.9% |
| Colorado | $894 | -$44 | -4.7% |
| Connecticut | $962 | $24 | 2.6% |
| Delaware | $1,058 | $120 | 12.8% |
| Florida | $1,168 | $230 | 24.5% |
| Georgia | $866 | -$72 | -7.7% |
| Hawaii | $672 | -$266 | -28.4% |
| Idaho | $634 | -$304 | -32.4% |
| Illinois | $698 | -$240 | -25.6% |
| Indiana | $706 | -$232 | -24.7% |
| Iowa | $630 | -$308 | -32.8% |
| Kansas | $888 | -$50 | -5.3% |
| Kentucky | $1,276 | $338 | 36.0% |
| Louisiana | $1,386 | $448 | 47.8% |
| Maine | $578 | -$360 | -38.4% |
| Maryland | $772 | -$166 | -17.7% |
| Massachusetts | $746 | -$192 | -20.5% |
| Michigan | $1,624 | $686 | 73.1% |
| Minnesota | $782 | -$156 | -16.6% |
| Mississippi | $1,122 | $184 | 19.6% |
| Missouri | $830 | -$108 | -11.5% |
| Montana | $1,004 | $66 | 7.0% |
| Nebraska | $736 | -$202 | -21.5% |
| Nevada | $1,122 | $184 | 19.6% |
| New Hampshire | $674 | -$264 | -28.1% |
| New Jersey | $1,048 | $110 | 11.7% |
| New Mexico | $828 | -$110 | -11.7% |
| New York | $986 | $48 | 5.1% |
| North Carolina | $540 | -$398 | -42.4% |
| North Dakota | $768 | -$170 | -18.1% |
| Ohio | $646 | -$292 | -31.1% |
| Oklahoma | $960 | $22 | 2.3% |
| Oregon | $856 | -$82 | -8.7% |
| Pennsylvania | $894 | -$44 | -4.7% |
| Rhode Island | $1,246 | $308 | 32.8% |
| South Carolina | $848 | -$90 | -9.6% |
| South Dakota | $790 | -$148 | -15.8% |
| Tennessee | $820 | -$118 | -12.6% |
| Texas | $1,128 | $190 | 20.3% |
| Utah | $692 | -$246 | -26.2% |
| Vermont | $638 | -$300 | -32.0% |
| Virginia | $562 | -$376 | -40.1% |
| Washington | $722 | -$216 | -23.0% |
| West Virginia | $856 | -$82 | -8.7% |
| Wisconsin | $646 | -$292 | -31.1% |
| Wyoming | $832 | -$106 | -11.3% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $900 | $75 |
| Buick Lacrosse CXL | $918 | $77 |
| Buick Lacrosse CXL AWD | $938 | $78 |
| Buick Lacrosse CXS | $956 | $80 |
Rates assume 2008 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 |
|---|---|---|---|---|
| 2015 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2014 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2013 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2011 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2010 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
| 2008 Buick Lacrosse | $174 | $226 | $402 | $938 |
| 2007 Buick Lacrosse | $168 | $202 | $398 | $904 |
| 2006 Buick Lacrosse | $166 | $198 | $390 | $890 |
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 Shop for the Cheapest Buick Lacrosse Insurance
Finding better rates on Buick Lacrosse insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
Below is a recap of the data that was touched on above.
- Drivers can save up to $110 per year just by quoting early and online
- Drivers who may need higher levels of liability will pay an extra $440 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are charged the highest prices, as much as $307 per month if full coverage is included
- High-risk drivers that have major violations or accidents may pay on average $1,070 more every year for auto insurance
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 | $3,682 |
| 20 | $2,130 |
| 30 | $958 |
| 40 | $938 |
| 50 | $858 |
| 60 | $840 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,110 |
| $250 | $1,030 |
| $500 | $938 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $938 |
| 50/100 | $1,036 |
| 100/300 | $1,137 |
| 250/500 | $1,398 |
| 100 CSL | $1,077 |
| 300 CSL | $1,298 |
| 500 CSL | $1,459 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,202 |
| 20 | $3,390 |
| 30 | $2,034 |
| 40 | $2,008 |
| 50 | $1,918 |
| 60 | $1,900 |
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 | $48 |
| Multi-vehicle | $50 |
| Homeowner | $16 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $64 |
| Total Discounts | $373 |
Discounts are estimated and may not be available from every company or in every state.
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