Buick Lacrosse Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
The average auto insurance rates for a Buick Lacrosse are $1,100 annually for full coverage. Comprehensive costs around $224, collision costs $346, and liability costs around $394. Liability-only coverage costs as low as $440 a year, with high-risk coverage costing around $2,370. 16-year-old drivers cost the most to insure at $4,192 a year or more.
Average premium for full coverage: $1,100
Policy rates for type of insurance:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Lacrosse trim levels.
Price Range Variability
Using a middle-aged driver as an example, Buick Lacrosse insurance rates go from as cheap as $440 for your basic liability-only policy to a much higher rate of $2,370 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
More Rate Information
The chart below shows estimated Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $646
- Using higher $1,000 deductibles will save about $130 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,100
- Buying more expensive low deductibles for physical damage coverage will cost $1,350
- High-risk insureds with multiple tickets or accidents could pay at least $2,370 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,192 or more
Insurance rates for a Buick Lacrosse also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $380 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $354 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Buick Lacrosse insurance prices. A driver around age 40 might see rates as low as $730 a year in states like Idaho, Maine, and Iowa, or at least $1,570 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied between companies.
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 Buy Cheaper Buick Lacrosse Insurance
Finding cheaper rates on insurance for a Buick Lacrosse requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a condensed summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,270 more every year to insure their Lacrosse
- Drivers can save up to $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $375 each year
- Insureds who may need more liability coverage will pay around $430 each year to increase from a 30/60 limit to higher 250/500 limits
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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