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.
The average auto insurance rates for a Buick Lacrosse are $1,126 annually for full coverage insurance. Comprehensive costs around $232 each year, collision insurance costs $368, and liability coverage costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs around $2,430. Teen drivers cost the most to insure at up to $4,276 a year.
Average premium for full coverage: $1,126
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Lacrosse models.
Price Range Variability
For the average 40-year-old driver, Buick Lacrosse insurance rates range from as cheap as $438 for the bare minimum liability coverage to a high rate of $2,430 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using 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 average Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $659
- Drivers who choose higher $1,000 deductibles will pay about $136 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,126
- Choosing low deductibles for comprehensive and collision insurance will cost $1,390
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,430
- Policy cost with full coverage for a teenage driver can be $4,276 a year
Auto insurance rates for a Buick Lacrosse also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $400 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,520 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy More Affordable Buick Lacrosse Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a summary of the ideas that were touched on in this article.
- Teenage drivers are expensive to insure, possibly costing $356 each month if full coverage is included
- Drivers who have multiple accidents or major violations pay on average $1,300 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $400 each year
- It is possible to save up to $130 per year just by quoting online in advance
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 | $4,276 |
| 20 | $2,582 |
| 30 | $1,168 |
| 40 | $1,126 |
| 50 | $1,032 |
| 60 | $1,012 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,390 |
| $250 | $1,268 |
| $500 | $1,126 |
| $1,000 | $990 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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