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.
U.S. average insurance prices for a Buick Lacrosse are $904 every 12 months for full coverage. Comprehensive costs on average $168, collision costs $202, and liability is estimated at $398. A policy with just liability insurance costs approximately $444 a year, with coverage for high-risk drivers costing around $1,934. Teens pay the highest rates at $3,568 a year or more.
Average premium for full coverage: $904
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different Lacrosse trim levels.
Price Range from Low to High
For a driver in their 40's, Buick Lacrosse insurance prices go from the cheapest price of $444 for liability-only coverage to a much higher rate of $1,934 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine car insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using 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 shows estimated Buick Lacrosse insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $550
- Choosing higher $1,000 deductibles can save around $84 a year
- The average price for the average middle-age driver with $500 deductibles is $904
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,064
- Unlucky drivers with serious driving violations could pay upwards of $1,934 or more
- The price to insure a teen driver with full coverage may cost $3,568 each year
Insurance prices for a Buick Lacrosse are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Lacrosse.
Choosing higher comprehensive and collision insurance deductibles can save as much as $250 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,500 extra each year, depending on your age. High-risk driver insurance ranges as much as 42% to 135% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Buick Lacrosse insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,290 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $818 | -$86 | -9.5% |
| Alaska | $694 | -$210 | -23.2% |
| Arizona | $750 | -$154 | -17.0% |
| Arkansas | $904 | -$0 | 0.0% |
| California | $1,030 | $126 | 13.9% |
| Colorado | $862 | -$42 | -4.6% |
| Connecticut | $928 | $24 | 2.7% |
| Delaware | $1,022 | $118 | 13.1% |
| Florida | $1,130 | $226 | 25.0% |
| Georgia | $836 | -$68 | -7.5% |
| Hawaii | $650 | -$254 | -28.1% |
| Idaho | $614 | -$290 | -32.1% |
| Illinois | $672 | -$232 | -25.7% |
| Indiana | $680 | -$224 | -24.8% |
| Iowa | $610 | -$294 | -32.5% |
| Kansas | $858 | -$46 | -5.1% |
| Kentucky | $1,232 | $328 | 36.3% |
| Louisiana | $1,338 | $434 | 48.0% |
| Maine | $558 | -$346 | -38.3% |
| Maryland | $746 | -$158 | -17.5% |
| Massachusetts | $720 | -$184 | -20.4% |
| Michigan | $1,570 | $666 | 73.7% |
| Minnesota | $758 | -$146 | -16.2% |
| Mississippi | $1,082 | $178 | 19.7% |
| Missouri | $802 | -$102 | -11.3% |
| Montana | $970 | $66 | 7.3% |
| Nebraska | $712 | -$192 | -21.2% |
| Nevada | $1,084 | $180 | 19.9% |
| New Hampshire | $652 | -$252 | -27.9% |
| New Jersey | $1,012 | $108 | 11.9% |
| New Mexico | $798 | -$106 | -11.7% |
| New York | $952 | $48 | 5.3% |
| North Carolina | $520 | -$384 | -42.5% |
| North Dakota | $742 | -$162 | -17.9% |
| Ohio | $622 | -$282 | -31.2% |
| Oklahoma | $926 | $22 | 2.4% |
| Oregon | $830 | -$74 | -8.2% |
| Pennsylvania | $862 | -$42 | -4.6% |
| Rhode Island | $1,206 | $302 | 33.4% |
| South Carolina | $820 | -$84 | -9.3% |
| South Dakota | $762 | -$142 | -15.7% |
| Tennessee | $790 | -$114 | -12.6% |
| Texas | $1,090 | $186 | 20.6% |
| Utah | $668 | -$236 | -26.1% |
| Vermont | $616 | -$288 | -31.9% |
| Virginia | $540 | -$364 | -40.3% |
| Washington | $698 | -$206 | -22.8% |
| West Virginia | $830 | -$74 | -8.2% |
| Wisconsin | $624 | -$280 | -31.0% |
| Wyoming | $804 | -$100 | -11.1% |
Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $870 | $73 |
| Buick Lacrosse CXL | $888 | $74 |
| Buick Lacrosse CXL AWD | $904 | $75 |
| Buick Lacrosse CXS | $922 | $77 |
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 | $232 | $368 | $390 | $1,126 |
| 2014 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2013 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 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 Shop for Low Cost Buick Lacrosse Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations pay an average of $1,030 more each year for auto insurance
- Drivers can save as much as $100 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $250 each year
- Policyholders who require higher levels of liability will pay approximately $440 each year to raise limits from a low limit to a 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,568 |
| 20 | $2,048 |
| 30 | $922 |
| 40 | $904 |
| 50 | $832 |
| 60 | $814 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,064 |
| $250 | $992 |
| $500 | $904 |
| $1,000 | $820 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $904 |
| 50/100 | $1,002 |
| 100/300 | $1,101 |
| 250/500 | $1,360 |
| 100 CSL | $1,041 |
| 300 CSL | $1,260 |
| 500 CSL | $1,420 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,030 |
| 20 | $3,262 |
| 30 | $1,954 |
| 40 | $1,934 |
| 50 | $1,846 |
| 60 | $1,828 |
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 | $46 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $33 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $354 |
Discounts are estimated and may not be available from every company or in every state.
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