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: 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.

Estimated insurance prices for a Buick Lacrosse are $938 every 12 months for full coverage. Comprehensive costs around $174 a year, collision insurance costs $226, and liability insurance is $402. Liability-only insurance costs around $446 a year, and high-risk driver insurance costs around $2,008. Teenage drivers pay the most at up to $3,682 a year.

Average premium for full coverage: $938

Premium estimates for type of coverage:

Comprehensive $174
Collision $226
Liability $402

Includes $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Lacrosse trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Buick Lacrosse range from the cheapest price of $446 for basic liability insurance to a high of $2,008 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

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

These rate differences show why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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 additional coverage choices and driver risks.

  • The best discount rate is $565
  • Raising to $1,000 deductibles will save about $846 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $938
  • Using low $100 deductibles increases the price to $1,110
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,008
  • An auto insurance policy to insure a teen driver can be $3,682

View Chart as Image

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

Insurance prices for a Buick Lacrosse also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $270 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $3,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay 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

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 Shop for the Cheapest Buick Lacrosse Insurance

Finding better rates on Buick Lacrosse insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below is a recap of the data that was touched on above.

  • Drivers can save up to $110 per year just by quoting early and online
  • Drivers who may need higher levels of liability will pay an extra $440 each year to raise from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers are charged the highest prices, as much as $307 per month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,070 more every year for auto 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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