Buick Lacrosse Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 rates for a Buick Lacrosse are $1,126 a year including full coverage. Comprehensive costs approximately $232, collision insurance costs $368, and liability insurance costs around $390. A policy with only liability insurance costs as low as $438 a year, and a high-risk policy costs around $2,430. Teens pay the most at up to $4,276 a year.

Average premium for full coverage: $1,126

Premium estimates by type of coverage:

Comprehensive $232
Collision $368
Liability $390

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Lacrosse trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Buick Lacrosse range from the low end price of $438 for the bare minimum liability coverage to a much higher rate of $2,430 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,126
High Risk $2,430

Insurance Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location, 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 Rate Information

The chart below breaks down average Buick Lacrosse insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $659
  • Using higher $1,000 deductibles will save $136 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,126
  • Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,390
  • Drivers with serious driving violations could pay around $2,430
  • An auto insurance policy that insures a teen driver with full coverage can cost $4,276 or more

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing Buick Lacrosse insurance rates range from $659 to $4,276 for full coverage

Car insurance prices for a Buick Lacrosse also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 128% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Buick Lacrosse insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,610 on average in Louisiana, New York, and Michigan.

Buick Lacrosse Insurance Rates by State
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%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Buick Lacrosse Insurance Rates by Model and Trim Level
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.

Buick Lacrosse Insurance Rates by Model Year
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 Find More Affordable Buick Lacrosse Insurance

Finding better rates on Buick Lacrosse insurance requires avoiding accidents and claims, having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a summary of the information touched on in this article.

  • You may be able to save around $130 per year just by shopping early and online
  • Drivers under the age of 20 pay the highest auto insurance prices, with the cost nearing $356 per month if full coverage is purchased
  • Increasing policy deductibles can save approximately $400 each year
  • High-risk drivers who have multiple accidents or major violations will likely pay on average $1,300 more per year to insure a Buick Lacrosse
  • Drivers who purchase increased liability limits will pay approximately $430 per year to increase from 30/60 bodily injury limits to the 250/500 level

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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

  1. https://www.iihs.org/ratings/vehicle/buick/lacrosse-4-door-sedan/2019

Rates by Driver Age

Buick Lacrosse Insurance 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

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,390
$250 $1,268
$500 $1,126
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
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

Buick Lacrosse Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $659

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles