Buick Lacrosse Insurance Rates
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Michelle Robbins
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UPDATED: Apr 18, 2024
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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 $1,100 every 12 months for full coverage. Comprehensive insurance costs an estimated $224 each year, collision insurance costs $346, and liability coverage costs around $394. A policy with just liability insurance costs as low as $440 a year, and coverage for high-risk drivers costs $2,370 or more. 16-year-old drivers pay the highest rates at up to $4,192 a year.
Average premium for full coverage: $1,100
Price estimates broken down by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Lacrosse models.
Price Range from Low to High
For an average driver, Buick Lacrosse insurance prices range from the cheapest price of $440 for just liability coverage to a high rate of $2,370 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have more infrequent accident claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above show why all drivers should compare prices for a targeted area and their own driving history, 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.
Detailed Rate Analysis
The chart below shows average Buick Lacrosse insurance rates for other coverage scenarios.
- The best full coverage rate is $646
- Using higher $1,000 deductibles will save approximately $130 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,100
- Buying low deductibles for physical damage coverage costs an extra $250 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,370
- The price to insure a teenage driver can cost as much as $4,192 or more
Insurance prices for a Buick Lacrosse are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $380 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $354 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Buick Lacrosse insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Iowa, Maine, and Idaho, or at least $1,570 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $992 | -$108 | -9.8% |
| Alaska | $842 | -$258 | -23.5% |
| Arizona | $912 | -$188 | -17.1% |
| Arkansas | $1,100 | -$0 | 0.0% |
| California | $1,254 | $154 | 14.0% |
| Colorado | $1,048 | -$52 | -4.7% |
| Connecticut | $1,128 | $28 | 2.5% |
| Delaware | $1,242 | $142 | 12.9% |
| Florida | $1,374 | $274 | 24.9% |
| Georgia | $1,016 | -$84 | -7.6% |
| Hawaii | $792 | -$308 | -28.0% |
| Idaho | $746 | -$354 | -32.2% |
| Illinois | $820 | -$280 | -25.5% |
| Indiana | $830 | -$270 | -24.5% |
| Iowa | $742 | -$358 | -32.5% |
| Kansas | $1,044 | -$56 | -5.1% |
| Kentucky | $1,500 | $400 | 36.4% |
| Louisiana | $1,628 | $528 | 48.0% |
| Maine | $680 | -$420 | -38.2% |
| Maryland | $908 | -$192 | -17.5% |
| Massachusetts | $878 | -$222 | -20.2% |
| Michigan | $1,910 | $810 | 73.6% |
| Minnesota | $922 | -$178 | -16.2% |
| Mississippi | $1,316 | $216 | 19.6% |
| Missouri | $976 | -$124 | -11.3% |
| Montana | $1,182 | $82 | 7.5% |
| Nebraska | $864 | -$236 | -21.5% |
| Nevada | $1,320 | $220 | 20.0% |
| New Hampshire | $792 | -$308 | -28.0% |
| New Jersey | $1,228 | $128 | 11.6% |
| New Mexico | $972 | -$128 | -11.6% |
| New York | $1,158 | $58 | 5.3% |
| North Carolina | $634 | -$466 | -42.4% |
| North Dakota | $902 | -$198 | -18.0% |
| Ohio | $756 | -$344 | -31.3% |
| Oklahoma | $1,126 | $26 | 2.4% |
| Oregon | $1,008 | -$92 | -8.4% |
| Pennsylvania | $1,048 | -$52 | -4.7% |
| Rhode Island | $1,466 | $366 | 33.3% |
| South Carolina | $998 | -$102 | -9.3% |
| South Dakota | $930 | -$170 | -15.5% |
| Tennessee | $962 | -$138 | -12.5% |
| Texas | $1,326 | $226 | 20.5% |
| Utah | $814 | -$286 | -26.0% |
| Vermont | $752 | -$348 | -31.6% |
| Virginia | $658 | -$442 | -40.2% |
| Washington | $848 | -$252 | -22.9% |
| West Virginia | $1,008 | -$92 | -8.4% |
| Wisconsin | $760 | -$340 | -30.9% |
| Wyoming | $980 | -$120 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $1,046 | $87 |
| Buick Lacrosse CXL | $1,074 | $90 |
| Buick Lacrosse CXL AWD | $1,100 | $92 |
| Buick Lacrosse CXS | $1,128 | $94 |
Rates assume 2016 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 |
|---|---|---|---|---|
| 2020 Buick Lacrosse | $270 | $474 | $384 | $1,264 |
| 2019 Buick Lacrosse | $260 | $446 | $388 | $1,230 |
| 2018 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2017 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2016 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2015 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 2014 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2013 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
| 2012 Buick Lacrosse | $184 | $248 | $402 | $970 |
| 2011 Buick Lacrosse | $174 | $226 | $402 | $938 |
| 2010 Buick Lacrosse | $168 | $202 | $398 | $904 |
| 2008 Buick Lacrosse | $162 | $188 | $384 | $870 |
| 2007 Buick Lacrosse | $148 | $180 | $380 | $844 |
| 2006 Buick Lacrosse | $144 | $170 | $376 | $826 |
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 Right Buick Lacrosse Insurance
Getting lower rates on auto insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick rundown of the coverage data covered in the above illustrations.
- Drivers can save approximately $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $375 each year
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $349 a month if they have full coverage
- Drivers with reckless driving or DUI convictions pay on average $1,270 more annually than a driver with a clean driving record
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 | $4,192 |
| 20 | $2,514 |
| 30 | $1,138 |
| 40 | $1,100 |
| 50 | $1,008 |
| 60 | $988 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,350 |
| $250 | $1,234 |
| $500 | $1,100 |
| $1,000 | $970 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,100 |
| 50/100 | $1,207 |
| 100/300 | $1,305 |
| 250/500 | $1,561 |
| 100 CSL | $1,246 |
| 300 CSL | $1,463 |
| 500 CSL | $1,621 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,956 |
| 20 | $4,004 |
| 30 | $2,412 |
| 40 | $2,370 |
| 50 | $2,260 |
| 60 | $2,236 |
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 | $58 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $46 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $454 |
Discounts are estimated and may not be available from every company or in every state.
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