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.

Estimated insurance rates for a Buick Lacrosse are $1,126 a year including full coverage. Comprehensive costs around $232 each year, collision insurance costs $368, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs around $2,430. Teens pay the most at up to $4,276 a year.

Average premium for full coverage: $1,126

Premium estimates for type of coverage:

Comprehensive $232
Collision $368
Liability $390

Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Lacrosse models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Buick Lacrosse range from the low end price of $438 for your basic liability-only policy to a high rate of $2,430 for a policy for a high-risk driver.

Liability Only $438
Full Coverage $1,126
High Risk $2,430

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

These rate differences highlight why all drivers should get quotes for a specific zip code, instead of making a decision based on 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.

More Rate Information

The chart below breaks down average Buick Lacrosse insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $659
  • Choosing higher $1,000 deductibles can save about $136 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,126
  • Selecting low deductibles for comp and collision coverage bumps up the cost to $1,390
  • Higher-risk drivers with serious driving violations could pay at least $2,430
  • An auto insurance policy that insures a 16-year-old driver can be $4,276 each year

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing Buick Lacrosse insurance rates range from $659 to $4,276 for full coverage

Insurance prices for a Buick Lacrosse also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Buick Lacrosse insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Buick Lacrosse Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,018 -$108 -9.6%
Alaska $864 -$262 -23.3%
Arizona $936 -$190 -16.9%
Arkansas $1,126 -$0 0.0%
California $1,286 $160 14.2%
Colorado $1,076 -$50 -4.4%
Connecticut $1,158 $32 2.8%
Delaware $1,274 $148 13.1%
Florida $1,406 $280 24.9%
Georgia $1,042 -$84 -7.5%
Hawaii $810 -$316 -28.1%
Idaho $764 -$362 -32.1%
Illinois $840 -$286 -25.4%
Indiana $850 -$276 -24.5%
Iowa $760 -$366 -32.5%
Kansas $1,070 -$56 -5.0%
Kentucky $1,538 $412 36.6%
Louisiana $1,668 $542 48.1%
Maine $698 -$428 -38.0%
Maryland $930 -$196 -17.4%
Massachusetts $898 -$228 -20.2%
Michigan $1,956 $830 73.7%
Minnesota $944 -$182 -16.2%
Mississippi $1,350 $224 19.9%
Missouri $1,000 -$126 -11.2%
Montana $1,210 $84 7.5%
Nebraska $888 -$238 -21.1%
Nevada $1,350 $224 19.9%
New Hampshire $814 -$312 -27.7%
New Jersey $1,260 $134 11.9%
New Mexico $996 -$130 -11.5%
New York $1,186 $60 5.3%
North Carolina $650 -$476 -42.3%
North Dakota $924 -$202 -17.9%
Ohio $776 -$350 -31.1%
Oklahoma $1,156 $30 2.7%
Oregon $1,034 -$92 -8.2%
Pennsylvania $1,074 -$52 -4.6%
Rhode Island $1,504 $378 33.6%
South Carolina $1,022 -$104 -9.2%
South Dakota $950 -$176 -15.6%
Tennessee $986 -$140 -12.4%
Texas $1,358 $232 20.6%
Utah $834 -$292 -25.9%
Vermont $770 -$356 -31.6%
Virginia $674 -$452 -40.1%
Washington $870 -$256 -22.7%
West Virginia $1,034 -$92 -8.2%
Wisconsin $778 -$348 -30.9%
Wyoming $1,004 -$122 -10.8%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

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 $1,070 $89
Buick Lacrosse CXL $1,100 $92
Buick Lacrosse CXL AWD $1,126 $94
Buick Lacrosse CXS $1,156 $96

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.

Buick Lacrosse Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Buick Lacrosse $282 $512 $376 $1,306
2019 Buick Lacrosse $270 $474 $384 $1,264
2018 Buick Lacrosse $260 $446 $388 $1,230
2017 Buick Lacrosse $248 $400 $390 $1,174
2016 Buick Lacrosse $232 $368 $390 $1,126
2015 Buick Lacrosse $224 $346 $394 $1,100
2014 Buick Lacrosse $220 $322 $402 $1,080
2013 Buick Lacrosse $202 $300 $402 $1,040
2012 Buick Lacrosse $198 $272 $406 $1,012
2011 Buick Lacrosse $184 $248 $402 $970
2010 Buick Lacrosse $174 $226 $402 $938
2008 Buick Lacrosse $166 $198 $390 $890
2007 Buick Lacrosse $162 $188 $384 $870
2006 Buick Lacrosse $148 $180 $380 $844

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 the Right Buick Lacrosse Insurance

Finding better rates on insurance for a Buick Lacrosse takes not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare rates every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following is a quick rundown of the coverage data covered in the above illustrations.

  • You may be able to save up to $130 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $400 each year
  • Teens are charged the highest prices, with the cost nearing $356 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,300 more every year for Lacrosse insurance

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 $4,276
20 $2,582
30 $1,168
40 $1,126
50 $1,032
60 $1,012

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,390
$250 $1,268
$500 $1,126
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,126
50/100 $1,234
100/300 $1,332
250/500 $1,585
100 CSL $1,273
300 CSL $1,488
500 CSL $1,644

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lacrosse Insurance Rates for High Risk Drivers
Age Premium
16 $6,082
20 $4,110
30 $2,476
40 $2,430
50 $2,320
60 $2,296

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 $154

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $78
5-yr Claim Free $72
Paid in Full/EFT $48
Advance Quote $54
Online Quote $79
Total Discounts $467
Rate after discounts $659

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

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