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.
Average auto insurance rates for a Buick Lacrosse are $1,126 annually for full coverage insurance. Comprehensive insurance costs an estimated $232, collision insurance costs $368, and liability costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $2,430 or more. Teenage drivers receive the highest rates at up to $4,276 a year.
Average premium for full coverage: $1,126
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Lacrosse trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $438 for just the minimum liability insurance to a much higher rate of $2,430 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using average rates.
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 Analysis
The chart below illustrates average Buick Lacrosse insurance rates for other coverage scenarios.
- The best discount rate is $659
- Drivers who choose higher $1,000 deductibles will pay approximately $136 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,126
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $264 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,430
- The cost with full coverage for a teen driver with full coverage can cost as much as $4,276 a year
Auto insurance rates for a Buick Lacrosse can also vary considerably based on the trim level of your Lacrosse, your risk profile, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,300 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 44% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $400 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Buick Lacrosse insurance prices. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,520 on average in Florida, New York, and Michigan.
| 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 the Cheapest Buick Lacrosse Insurance
Saving money on car insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a recap of the ideas that were presented in the illustrations above.
- Youthful drivers are the costliest to insure, costing up to $356 per month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,300 more annually than a low-risk driver
- Increasing deductibles could save up to $400 each year
- It is possible to save approximately $130 per year just by shopping early and online
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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