Buick Lacrosse Insurance Rates
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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.
Average insurance rates for a Buick Lacrosse are $904 a year for full coverage insurance. Comprehensive insurance costs an estimated $168, collision insurance costs $202, and liability costs around $398. Liability-only coverage costs as low as $444 a year, and high-risk coverage costs $1,934 or more. Teens receive the highest rates at up to $3,568 a year.
Average premium for full coverage: $904
Rate estimates broken down by individual coverage type:
Estimates include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Lacrosse trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $444 for liability-only coverage to a much higher rate of $1,934 for coverage for higher-risk drivers.
Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.
These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area, 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.
Additional Charts and Tables
The chart below illustrates average Buick Lacrosse insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $550
- Using higher $1,000 deductibles will save approximately $84 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $904
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $160 annually
- High-risk insureds with serious driving violations could pay up to $1,934
- The cost that insures a 16-year-old driver with full coverage can cost as much as $3,568 or more
Car insurance rates for a Buick Lacrosse can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,100 to $1,500 extra per year, depending on your age. High-risk driver insurance can be from 42% to 135% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $3,500 a year. View Rates by Age
Where you live has a huge impact on Buick Lacrosse insurance prices. A driver around age 40 might see rates as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,220 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Low Cost Buick Lacrosse Insurance
Saving money on insurance for a Buick Lacrosse requires not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a review of the primary concepts that were touched on above.
- It is possible to save approximately $100 per year just by shopping early and online
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,030 more annually for Lacrosse insurance
- Increasing deductibles can save approximately $250 each year
- Teens have the highest car insurance rates, costing up to $297 per month if full coverage is purchased
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 | $3,568 |
| 20 | $2,048 |
| 30 | $922 |
| 40 | $904 |
| 50 | $832 |
| 60 | $814 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,064 |
| $250 | $992 |
| $500 | $904 |
| $1,000 | $820 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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