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 insurance rates for a Buick Lacrosse are $1,126 a year including full coverage. Comprehensive insurance costs approximately $232 each year, collision costs $368, and liability is $390. Liability-only insurance costs around $438 a year, with high-risk driver insurance costing $2,430 or more. Teen drivers cost the most to insure at $4,276 a year or more.

Average premium for full coverage: $1,126

Policy rates by type of insurance:

Comprehensive $232
Collision $368
Liability $390

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 U.S. states and Lacrosse models.

Price Range Variability

Using a middle-aged driver as an example, Buick Lacrosse insurance rates go from as low 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.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance prices.

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

The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based 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 breaks down estimated Buick Lacrosse insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $659
  • Raising to $1,000 deductibles will save $136 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,126
  • Choosing low deductibles will cost an extra $264 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,430 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $4,276

View Chart as Image

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

Auto insurance rates for a Buick Lacrosse also range considerably based on your risk profile, the model of your Lacrosse, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,200 a year. View Rates by Age

Your home state also has a big influence on Buick Lacrosse insurance prices. A middle-age driver might find rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.

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 high deductibles can reduce rates by up to $400 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

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 More Affordable Buick Lacrosse Insurance

Finding cheaper rates on insurance for a Buick Lacrosse consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a summary of the ideas that were touched on in the above illustrations.

  • Teenage drivers have the highest car insurance rates, with premiums being up to $356 each month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,300 more per year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • You may be able to save around $130 per year simply 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

  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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