Buick Lacrosse Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated auto insurance rates for a Buick Lacrosse are $904 annually for full coverage insurance. Comprehensive costs on average $168, collision costs $202, and liability insurance is estimated at $398. Liability-only insurance costs approximately $444 a year, with high-risk driver insurance costing around $1,934. Teen drivers pay the most at $3,568 a year or more.

Average premium for full coverage: $904

Premium estimates by type of coverage:

Comprehensive $168
Collision $202
Liability $398

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Lacrosse models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Buick Lacrosse go from as cheap as $444 for the bare minimum liability coverage to the much higher price of $1,934 for a driver who has had serious violations or accidents.

Liability Only $444
Full Coverage $904
High Risk $1,934

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The example below illustrates how where you live affects car insurance rates.

Rural Areas $678
Small Cities $949
Large Cities $1,220

These rate differences illustrate why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on price 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.

Additional Rate Information

The chart below illustrates estimated Buick Lacrosse insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $550
  • Choosing higher $1,000 deductibles can save around $84 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $904
  • Choosing pricier low deductibles for comp and collision coverage will cost $1,064
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,934 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage may cost $3,568 each year

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing full coverage Buick Lacrosse insurance rates range from $550 to $3,568

Insurance prices for a Buick Lacrosse also have a wide range based on the model of your Lacrosse, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,500 additional annually, depending on your age. Buick Lacrosse insurance for high-risk drivers ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $250 each 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 up to $358 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Buick Lacrosse insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,220 on average in Michigan, New York, and Florida.

Buick Lacrosse Insurance Rates by State
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%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Buick Lacrosse Insurance Rates by Model and Trim Level
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.

Buick Lacrosse Insurance Rates by Model Year
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 Buy Cheaper Buick Lacrosse Insurance

Finding better rates on Buick Lacrosse insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from local exclusive and independent agents.

The list below is a condensed summary of the ideas that were touched on in the above illustrations.

  • Teenagers pay higher prices, with premiums being up to $297 per month if they have full coverage
  • High-risk drivers with multiple at-fault accidents may pay on average $1,030 more each year for car insurance
  • Increasing policy deductibles could save up to $250 each year
  • It is possible to save as much as $100 per year simply by quoting online well ahead of the renewal date

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

  1. https://www.iihs.org/ratings/vehicle/buick/lacrosse-4-door-sedan/2019

Rates by Driver Age

Buick Lacrosse Insurance 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

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,064
$250 $992
$500 $904
$1,000 $820

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
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

Buick Lacrosse Insurance 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.

SR-22 Surcharge $119

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
Rate after discounts $550

Discounts are estimated and may not be available from every company or in every state.

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