Buick Lacrosse Insurance Rates

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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

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.

The average insurance rates for a Buick Lacrosse are $1,174 a year for full coverage. Comprehensive costs an estimated $248 a year, collision insurance costs $400, and liability costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,534. Teens cost the most to insure at up to $4,426 a year.

Average premium for full coverage: $1,174

Policy rates broken down by type of insurance:

Comprehensive $248
Collision $400
Liability $390

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Lacrosse trim levels.

Price Range Variability

Using a middle-aged driver as an example, Buick Lacrosse insurance rates range from the low end price of $438 for basic liability insurance to a high of $2,534 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,174
High Risk $2,534

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The examples above show why it is important to compare prices for a targeted area, instead of making a decision based 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.

Rate Comparisons

The chart below shows average Buick Lacrosse insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $683
  • Using higher $1,000 deductibles will save approximately $1,028 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,174
  • Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,458
  • High-risk insureds with serious driving violations could pay up to $2,534
  • Policy cost that insures a 16-year-old driver can cost as much as $4,426 or more

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing Buick Lacrosse insurance rates range from $683 to $4,426 for full coverage

Insurance rates for a Buick Lacrosse also range considerably based on the trim level of your Lacrosse, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Buick Lacrosse insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,680 on average in New York, Louisiana, and Michigan.

Buick Lacrosse Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $902 -$272 -23.2%
Arizona $974 -$200 -17.0%
Arkansas $1,174 -$0 0.0%
California $1,340 $166 14.1%
Colorado $1,122 -$52 -4.4%
Connecticut $1,208 $34 2.9%
Delaware $1,330 $156 13.3%
Florida $1,468 $294 25.0%
Georgia $1,088 -$86 -7.3%
Hawaii $844 -$330 -28.1%
Idaho $796 -$378 -32.2%
Illinois $876 -$298 -25.4%
Indiana $886 -$288 -24.5%
Iowa $792 -$382 -32.5%
Kansas $1,116 -$58 -4.9%
Kentucky $1,604 $430 36.6%
Louisiana $1,740 $566 48.2%
Maine $728 -$446 -38.0%
Maryland $970 -$204 -17.4%
Massachusetts $936 -$238 -20.3%
Michigan $2,040 $866 73.8%
Minnesota $986 -$188 -16.0%
Mississippi $1,408 $234 19.9%
Missouri $1,044 -$130 -11.1%
Montana $1,262 $88 7.5%
Nebraska $926 -$248 -21.1%
Nevada $1,408 $234 19.9%
New Hampshire $848 -$326 -27.8%
New Jersey $1,314 $140 11.9%
New Mexico $1,038 -$136 -11.6%
New York $1,238 $64 5.5%
North Carolina $678 -$496 -42.2%
North Dakota $964 -$210 -17.9%
Ohio $810 -$364 -31.0%
Oklahoma $1,208 $34 2.9%
Oregon $1,078 -$96 -8.2%
Pennsylvania $1,120 -$54 -4.6%
Rhode Island $1,568 $394 33.6%
South Carolina $1,066 -$108 -9.2%
South Dakota $992 -$182 -15.5%
Tennessee $1,028 -$146 -12.4%
Texas $1,416 $242 20.6%
Utah $870 -$304 -25.9%
Vermont $804 -$370 -31.5%
Virginia $704 -$470 -40.0%
Washington $908 -$266 -22.7%
West Virginia $1,078 -$96 -8.2%
Wisconsin $812 -$362 -30.8%
Wyoming $1,046 -$128 -10.9%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. 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 $1,114 $93
Buick Lacrosse CXL $1,146 $96
Buick Lacrosse CXL AWD $1,174 $98
Buick Lacrosse CXS $1,206 $101

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 $298 $530 $364 $1,328
2019 Buick Lacrosse $282 $512 $376 $1,306
2018 Buick Lacrosse $270 $474 $384 $1,264
2017 Buick Lacrosse $260 $446 $388 $1,230
2016 Buick Lacrosse $248 $400 $390 $1,174
2015 Buick Lacrosse $232 $368 $390 $1,126
2014 Buick Lacrosse $224 $346 $394 $1,100
2013 Buick Lacrosse $220 $322 $402 $1,080
2012 Buick Lacrosse $202 $300 $402 $1,040
2011 Buick Lacrosse $198 $272 $406 $1,012
2010 Buick Lacrosse $184 $248 $402 $970
2008 Buick Lacrosse $168 $202 $398 $904
2007 Buick Lacrosse $166 $198 $390 $890
2006 Buick Lacrosse $162 $188 $384 $870

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 Low Cost Buick Lacrosse Insurance

Finding cheaper rates on insurance for a Buick Lacrosse requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The points below are a review of the information touched on in the above illustrations.

  • Drivers can save approximately $140 per year just by quoting early and online
  • Drivers under the age of 20 are charged the highest rates, costing up to $369 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,360 more annually to insure a Buick Lacrosse
  • Insureds who want increased liability limits will pay approximately $430 each year to increase from a 30/60 limit 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.

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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

  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 $4,426
20 $2,692
30 $1,222
40 $1,174
50 $1,076
60 $1,054

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,328
$500 $1,174
$1,000 $1,028

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,284
100/300 $1,382
250/500 $1,635
100 CSL $1,323
300 CSL $1,538
500 CSL $1,694

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lacrosse Insurance Rates for High Risk Drivers
Age Premium
16 $6,306
20 $4,288
30 $2,586
40 $2,534
50 $2,420
60 $2,396

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 $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $83
5-yr Claim Free $76
Paid in Full/EFT $51
Advance Quote $56
Online Quote $83
Total Discounts $491
Rate after discounts $683

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

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