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 $904 a year including full coverage. Comprehensive costs around $168 each year, collision insurance costs $202, and liability coverage costs $398. Liability-only coverage costs as little as $444 a year, and high-risk coverage costs around $1,934. 16-year-old drivers receive the highest rates at up to $3,568 a year.
Average premium for full coverage: $904
Rate estimates for individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Lacrosse models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $444 for a discount liability-only rate to a high rate of $1,934 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code and risk profile, rather than using rate 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.
Rates by State, City, and Model
The chart below breaks down average Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $550
- Drivers who choose higher $1,000 deductibles will pay about $84 every year
- The average rate for a 40-year-old driver using $500 deductibles is $904
- Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,064
- High-risk insureds with multiple tickets or accidents could pay at least $1,934
- The cost for full coverage for a teenage driver can be $3,568 a year
Car insurance rates for a Buick Lacrosse can also vary considerably based on your driver profile, the model of your Lacrosse, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $3,500 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 $690 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,290 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could save up to $250 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,100 to $1,500 extra per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average rate. View High Risk Driver Rates
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 Find More Affordable Buick Lacrosse Insurance
Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a summary of the data covered above.
- Consumers who may need increased levels of liability coverage will pay around $440 per year to go from a minimum limit to 250/500 limits
- You may be able to save up to $100 per year just by quoting online in advance
- Increasing deductibles can save around $250 each year
- Drivers age 20 and younger are the costliest to insure, as much as $297 per month if full coverage is included
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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