Buick Lacrosse Insurance Rates
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Michelle Robbins
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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.
Estimated auto insurance rates for a Buick Lacrosse are $1,100 annually for full coverage insurance. Comprehensive insurance costs approximately $224 each year, collision insurance costs $346, and liability insurance costs $394. A liability-only policy costs as little as $440 a year, and high-risk insurance costs $2,370 or more. 16-year-old drivers pay the most at up to $4,192 a year.
Average premium for full coverage: $1,100
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Lacrosse models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Buick Lacrosse range from as cheap as $440 for just liability insurance to a high rate of $2,370 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on rate 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.
More Rate Details
The chart below illustrates average Buick Lacrosse insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $646
- Drivers who choose higher $1,000 deductibles will pay $130 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,100
- Buying low deductibles for comprehensive and collision insurance costs an additional $250 a year
- High risk drivers with multiple tickets or accidents could pay around $2,370
- An auto insurance policy with full coverage for a teen driver can cost $4,192 a year
Auto insurance prices for a Buick Lacrosse also have a wide range based on the model of your Lacrosse, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $354 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,490 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $992 | -$108 | -9.8% |
| Alaska | $842 | -$258 | -23.5% |
| Arizona | $912 | -$188 | -17.1% |
| Arkansas | $1,100 | -$0 | 0.0% |
| California | $1,254 | $154 | 14.0% |
| Colorado | $1,048 | -$52 | -4.7% |
| Connecticut | $1,128 | $28 | 2.5% |
| Delaware | $1,242 | $142 | 12.9% |
| Florida | $1,374 | $274 | 24.9% |
| Georgia | $1,016 | -$84 | -7.6% |
| Hawaii | $792 | -$308 | -28.0% |
| Idaho | $746 | -$354 | -32.2% |
| Illinois | $820 | -$280 | -25.5% |
| Indiana | $830 | -$270 | -24.5% |
| Iowa | $742 | -$358 | -32.5% |
| Kansas | $1,044 | -$56 | -5.1% |
| Kentucky | $1,500 | $400 | 36.4% |
| Louisiana | $1,628 | $528 | 48.0% |
| Maine | $680 | -$420 | -38.2% |
| Maryland | $908 | -$192 | -17.5% |
| Massachusetts | $878 | -$222 | -20.2% |
| Michigan | $1,910 | $810 | 73.6% |
| Minnesota | $922 | -$178 | -16.2% |
| Mississippi | $1,316 | $216 | 19.6% |
| Missouri | $976 | -$124 | -11.3% |
| Montana | $1,182 | $82 | 7.5% |
| Nebraska | $864 | -$236 | -21.5% |
| Nevada | $1,320 | $220 | 20.0% |
| New Hampshire | $792 | -$308 | -28.0% |
| New Jersey | $1,228 | $128 | 11.6% |
| New Mexico | $972 | -$128 | -11.6% |
| New York | $1,158 | $58 | 5.3% |
| North Carolina | $634 | -$466 | -42.4% |
| North Dakota | $902 | -$198 | -18.0% |
| Ohio | $756 | -$344 | -31.3% |
| Oklahoma | $1,126 | $26 | 2.4% |
| Oregon | $1,008 | -$92 | -8.4% |
| Pennsylvania | $1,048 | -$52 | -4.7% |
| Rhode Island | $1,466 | $366 | 33.3% |
| South Carolina | $998 | -$102 | -9.3% |
| South Dakota | $930 | -$170 | -15.5% |
| Tennessee | $962 | -$138 | -12.5% |
| Texas | $1,326 | $226 | 20.5% |
| Utah | $814 | -$286 | -26.0% |
| Vermont | $752 | -$348 | -31.6% |
| Virginia | $658 | -$442 | -40.2% |
| Washington | $848 | -$252 | -22.9% |
| West Virginia | $1,008 | -$92 | -8.4% |
| Wisconsin | $760 | -$340 | -30.9% |
| Wyoming | $980 | -$120 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $1,046 | $87 |
| Buick Lacrosse CXL | $1,074 | $90 |
| Buick Lacrosse CXL AWD | $1,100 | $92 |
| Buick Lacrosse CXS | $1,128 | $94 |
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 | $270 | $474 | $384 | $1,264 |
| 2019 Buick Lacrosse | $260 | $446 | $388 | $1,230 |
| 2018 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2017 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2016 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2015 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 2014 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2013 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
| 2012 Buick Lacrosse | $184 | $248 | $402 | $970 |
| 2011 Buick Lacrosse | $174 | $226 | $402 | $938 |
| 2010 Buick Lacrosse | $168 | $202 | $398 | $904 |
| 2008 Buick Lacrosse | $162 | $188 | $384 | $870 |
| 2007 Buick Lacrosse | $148 | $180 | $380 | $844 |
| 2006 Buick Lacrosse | $144 | $170 | $376 | $826 |
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 Right Buick Lacrosse Insurance
Finding better rates on Buick Lacrosse insurance not only requires being a safe and courteous driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a quick rundown of the information covered in the above illustrations.
- It is possible to save around $130 per year just by quoting online in advance
- Teenage drivers have the highest car insurance prices, with premiums being up to $349 per month if full coverage is included
- Increasing policy deductibles could save up to $375 each year
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,270 more per year for auto insurance
- Drivers who purchase higher levels of liability will pay around $430 annually to go from 30/60 bodily injury limits to higher 250/500 limits
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 | $4,192 |
| 20 | $2,514 |
| 30 | $1,138 |
| 40 | $1,100 |
| 50 | $1,008 |
| 60 | $988 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,350 |
| $250 | $1,234 |
| $500 | $1,100 |
| $1,000 | $970 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,100 |
| 50/100 | $1,207 |
| 100/300 | $1,305 |
| 250/500 | $1,561 |
| 100 CSL | $1,246 |
| 300 CSL | $1,463 |
| 500 CSL | $1,621 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,956 |
| 20 | $4,004 |
| 30 | $2,412 |
| 40 | $2,370 |
| 50 | $2,260 |
| 60 | $2,236 |
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 | $58 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $46 |
| Advance Quote | $52 |
| Online Quote | $77 |
| Total Discounts | $454 |
Discounts are estimated and may not be available from every company or in every state.
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