Buick Lacrosse Insurance Rates
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Written by
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 $970 a year for full coverage. Comprehensive costs on average $184 a year, collision costs $248, and liability insurance costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,084. Teen drivers receive the highest rates at $3,788 a year or more.
Average premium for full coverage: $970
Rate estimates by individual coverage type:
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 $2,084 for a high risk driver.
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.
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 $582
- Drivers who choose higher $1,000 deductibles will pay around $872 a year
- The average rate for a 40-year-old driver with $500 deductibles is $970
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,158
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,084 or more
- The cost for full coverage for a teen driver may cost $3,788 a year
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 $3,700 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 $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,390 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$94 | -9.7% |
| Alaska | $744 | -$226 | -23.3% |
| Arizona | $804 | -$166 | -17.1% |
| Arkansas | $970 | -$0 | 0.0% |
| California | $1,106 | $136 | 14.0% |
| Colorado | $926 | -$44 | -4.5% |
| Connecticut | $998 | $28 | 2.9% |
| Delaware | $1,096 | $126 | 13.0% |
| Florida | $1,210 | $240 | 24.7% |
| Georgia | $898 | -$72 | -7.4% |
| Hawaii | $696 | -$274 | -28.2% |
| Idaho | $656 | -$314 | -32.4% |
| Illinois | $724 | -$246 | -25.4% |
| Indiana | $732 | -$238 | -24.5% |
| Iowa | $654 | -$316 | -32.6% |
| Kansas | $920 | -$50 | -5.2% |
| Kentucky | $1,322 | $352 | 36.3% |
| Louisiana | $1,436 | $466 | 48.0% |
| Maine | $600 | -$370 | -38.1% |
| Maryland | $802 | -$168 | -17.3% |
| Massachusetts | $774 | -$196 | -20.2% |
| Michigan | $1,684 | $714 | 73.6% |
| Minnesota | $812 | -$158 | -16.3% |
| Mississippi | $1,162 | $192 | 19.8% |
| Missouri | $860 | -$110 | -11.3% |
| Montana | $1,042 | $72 | 7.4% |
| Nebraska | $762 | -$208 | -21.4% |
| Nevada | $1,162 | $192 | 19.8% |
| New Hampshire | $700 | -$270 | -27.8% |
| New Jersey | $1,086 | $116 | 12.0% |
| New Mexico | $856 | -$114 | -11.8% |
| New York | $1,022 | $52 | 5.4% |
| North Carolina | $560 | -$410 | -42.3% |
| North Dakota | $796 | -$174 | -17.9% |
| Ohio | $668 | -$302 | -31.1% |
| Oklahoma | $994 | $24 | 2.5% |
| Oregon | $888 | -$82 | -8.5% |
| Pennsylvania | $926 | -$44 | -4.5% |
| Rhode Island | $1,294 | $324 | 33.4% |
| South Carolina | $880 | -$90 | -9.3% |
| South Dakota | $820 | -$150 | -15.5% |
| Tennessee | $848 | -$122 | -12.6% |
| Texas | $1,170 | $200 | 20.6% |
| Utah | $718 | -$252 | -26.0% |
| Vermont | $662 | -$308 | -31.8% |
| Virginia | $582 | -$388 | -40.0% |
| Washington | $748 | -$222 | -22.9% |
| West Virginia | $888 | -$82 | -8.5% |
| Wisconsin | $670 | -$300 | -30.9% |
| Wyoming | $864 | -$106 | -10.9% |
Choosing high deductibles could save up to $290 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 42% to 126% 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
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $930 | $78 |
| Buick Lacrosse CXL | $950 | $79 |
| Buick Lacrosse CXL AWD | $970 | $81 |
| Buick Lacrosse CXS | $992 | $83 |
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 | $260 | $446 | $388 | $1,230 |
| 2014 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2013 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2011 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 2010 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2008 Buick Lacrosse | $184 | $248 | $402 | $970 |
| 2007 Buick Lacrosse | $174 | $226 | $402 | $938 |
| 2006 Buick Lacrosse | $168 | $202 | $398 | $904 |
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 $316 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,110 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.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,788 |
| 20 | $2,208 |
| 30 | $994 |
| 40 | $970 |
| 50 | $890 |
| 60 | $872 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,072 |
| $500 | $970 |
| $1,000 | $872 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $970 |
| 50/100 | $1,072 |
| 100/300 | $1,173 |
| 250/500 | $1,434 |
| 100 CSL | $1,113 |
| 300 CSL | $1,334 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,358 |
| 20 | $3,516 |
| 30 | $2,110 |
| 40 | $2,084 |
| 50 | $1,988 |
| 60 | $1,968 |
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 | $50 |
| Multi-vehicle | $51 |
| Homeowner | $16 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $388 |
Discounts are estimated and may not be available from every company or in every state.
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