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.
Average insurance rates for a Buick Lacrosse are $938 a year with full coverage. Comprehensive insurance costs an estimated $174 a year, collision costs $226, and liability insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,008 or more. Teenage drivers receive the highest rates at $3,682 a year or more.
Average premium for full coverage: $938
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Lacrosse trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $446 for just liability insurance to a high of $2,008 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates the difference location can make on insurance prices.
These examples demonstrate why it is important to compare rates quotes for a targeted area and risk profile, 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.
More Rate Details
The chart below details estimated Buick Lacrosse insurance rates for other coverage scenarios.
- The best discount rate is $565
- Raising to $1,000 deductibles will save approximately $846 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $938
- Using low $100 deductibles will cost an extra $172 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,008 or more
- The cost for full coverage for a teen driver can cost as much as $3,682
Car insurance rates for a Buick Lacrosse can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $3,600 a year. View Rates by Age
Where you live also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find rates as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,260 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $270 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,100 to $1,600 extra per year, 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
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 | $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.
| 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 Low Cost Buick Lacrosse Insurance
Saving money on Buick Lacrosse insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Make time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following list is a review of the material that was touched on in this article.
- Drivers who want an increased level of liability coverage will pay an extra $440 every year to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, with premiums as much as $307 per month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,070 more annually than a safer driver
- Increasing deductibles can save around $275 each year
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 | $3,682 |
| 20 | $2,130 |
| 30 | $958 |
| 40 | $938 |
| 50 | $858 |
| 60 | $840 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,110 |
| $250 | $1,030 |
| $500 | $938 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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