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 including full coverage. Comprehensive insurance costs approximately $224, collision costs $346, and liability insurance is $394. Liability-only coverage costs around $440 a year, with high-risk coverage costing $2,370 or more. Teen drivers pay the highest rates at $4,192 a year or more.
Average premium for full coverage: $1,100
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Lacrosse models.
Price Range from Low to High
Using a 40-year-old driver as an example, Buick Lacrosse insurance prices go from the cheapest price of $440 for minimum levels of liability insurance to the much higher price of $2,370 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and their own driving history, 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 Details
The chart below breaks down estimated Buick Lacrosse insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $646
- Raising to $1,000 deductibles will save $130 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,100
- Choosing pricier low deductibles costs an extra $250 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,370 or more
- The price to insure a teen driver for full coverage can cost $4,192
Auto insurance prices for a Buick Lacrosse are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Lacrosse.
Choosing high deductibles can reduce prices by up to $380 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $354 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,800 in extra premium each year, depending on your age. Buick Lacrosse insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find prices as low as $840 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,570 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.
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 Cheaper Buick Lacrosse Insurance
Getting lower rates on Buick Lacrosse insurance consists of having a good driving record, having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a condensed summary of the concepts that were raised in the charts and tables above.
- High-risk drivers with multiple at-fault accidents could be charged and average of $1,270 more per year to buy Buick Lacrosse insurance
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $349 a month if comprehensive and collision insurance is included
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $375 each year
- You may be able to save around $130 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
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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