Buick Lacrosse Insurance Rates
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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.
Average auto insurance rates for a Buick Lacrosse are $1,100 annually for full coverage insurance. Comprehensive costs on average $224, collision costs $346, and liability coverage is $394. Buying just liability costs around $440 a year, with insurance for high-risk drivers costing around $2,370. Teens receive the highest rates at $4,192 a year or more.
Average premium for full coverage: $1,100
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Lacrosse models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $440 for minimum levels of liability insurance to the much higher price of $2,370 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.
The example below illustrates how location impacts car insurance rates.
These examples illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.
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.
Additional Rate Details
The chart below illustrates estimated Buick Lacrosse insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $646
- Raising to $1,000 deductibles will save around $130 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,100
- Selecting pricier low deductibles will cost $1,350
- Unlucky drivers with serious driving violations could pay upwards of $2,370 or more
- The cost with full coverage for a teenage driver for full coverage may cost $4,192
Auto insurance rates for a Buick Lacrosse can also vary considerably based on the trim level of your Lacrosse, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. Buick Lacrosse insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $354 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find rates as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,490 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different 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 Affordable Buick Lacrosse Insurance
Saving money on auto insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief review of the material that was touched on above.
- Consumers who require more liability coverage will pay approximately $430 annually to raise from a minimum limit to higher 250/500 limits
- Teen drivers are charged the highest rates, costing up to $349 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,270 more each year to insure their Lacrosse
- Increasing deductibles could save up to $375 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 | $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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