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.
U.S. average auto insurance rates for a Buick Lacrosse are $1,126 annually for full coverage insurance. Comprehensive costs an estimated $232, collision insurance costs $368, and liability costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,430. Teens pay the highest rates at up to $4,276 a year.
Average premium for full coverage: $1,126
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Lacrosse trim levels.
Price Range from Low to High
For the normal driver, Buick Lacrosse insurance prices range from as cheap as $438 for just liability coverage to a much higher rate of $2,430 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below illustrates average Buick Lacrosse insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $659
- Using higher $1,000 deductibles will save approximately $136 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,126
- Selecting more expensive low deductibles for physical damage coverage will cost $1,390
- Drivers with serious driving violations could pay up to $2,430
- The price with full coverage for a teen driver with full coverage can cost as much as $4,276 or more
Insurance prices for a Buick Lacrosse are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance can be as much as 44% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $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 increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Buick Lacrosse insurance prices. A driver around age 40 might see prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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 Affordable Buick Lacrosse Insurance
Getting lower rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief review of the data that was presented in the illustrations above.
- It is possible to save approximately $130 per year just by shopping early and online
- Policyholders who want more liability protection will pay approximately $430 annually to increase from a low limit to higher 250/500 limits
- Youthful drivers are expensive to insure, as much as $356 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,300 more annually than a low-risk driver
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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