Buick Lacrosse Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 insurance prices for a Buick Lacrosse are $1,126 every 12 months for full coverage. Comprehensive insurance costs approximately $232, collision insurance costs $368, and liability insurance is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs $2,430 or more. Teen drivers receive the highest rates at up to $4,276 a year.
Average premium for full coverage: $1,126
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Lacrosse trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $438 for just liability insurance to a much higher rate of $2,430 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying 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.
More Rate Details
The chart below shows average 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 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,126
- Choosing more expensive low deductibles costs an extra $264 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,430
- The cost to insure a teen driver with full coverage can cost $4,276
Insurance rates for a Buick Lacrosse can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Lacrosse.
Choosing high deductibles can reduce rates by up to $400 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 128% more than average. View High Risk Driver Rates
Where you live also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find rates as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,610 on average in New York, Louisiana, 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 Shop for Affordable Buick Lacrosse Insurance
Saving money on Buick Lacrosse insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the information covered above.
- Drivers can save around $130 per year just by shopping early and online
- Drivers age 16 to 20 are expensive to insure, costing as high as $356 per month if they have full coverage
- Increasing deductibles could save as much as $400 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,300 more per year than a safer driver
- Drivers who purchase an increased level of liability coverage will pay about $430 each year to raise from a minimum limit to a 250/500 level
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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