Buick Lacrosse Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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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 insurance rates for a Buick Lacrosse are $938 a year for full coverage. Comprehensive costs on average $174 a year, collision costs $226, and liability insurance costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,008. Teen drivers receive the highest rates at $3,682 a year or more.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Comprehensive $174
Collision $226
Liability $402

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Lacrosse trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $446 for only liability insurance to a high of $2,008 for a high risk driver.

Liability Only $446
Full Coverage $938
High Risk $2,008

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $704
Small Cities $985
Large Cities $1,266

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated Buick Lacrosse insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $565
  • Drivers who choose higher $1,000 deductibles will pay around $846 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $938
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,110
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,008 or more
  • The cost for full coverage for a teen driver may cost $3,682 a year

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing full coverage Buick Lacrosse insurance rates range from $565 to $3,682

for a Buick Lacrosse can also vary considerably based on your driver profile, the trim level of your Lacrosse, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,600 a year. View Rates by Age

Where you live makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,340 on average in Michigan, Louisiana, and New York.

Buick Lacrosse Insurance Rates by State
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%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Choosing high deductibles could save up to $270 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $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.

Buick Lacrosse Insurance Rates by Model Year
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 Find Cheaper Buick Lacrosse Insurance

Saving money on Buick Lacrosse insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $275 each year
  • Drivers can save as much as $110 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $440 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $307 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,070 more each year for 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.


  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 $3,682
20 $2,130
30 $958
40 $938
50 $858
60 $840

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,110
$250 $1,030
$500 $938
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
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

Buick Lacrosse Insurance 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.

SR-22 Surcharge $125

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
Rate after discounts $565

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

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