Buick Lacrosse Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 insurance prices for a Buick Lacrosse are $1,174 every 12 months including full coverage. Comprehensive costs on average $248 each year, collision insurance costs $400, and liability insurance costs $390. A policy with just liability insurance costs as little as $438 a year, and coverage for high-risk drivers costs around $2,534. Teenage drivers pay the highest rates at up to $4,426 a year.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Lacrosse models.
Price Range from Low to High
For the average driver, Buick Lacrosse insurance prices range from the cheapest price of $438 for a discount liability-only rate to a high rate of $2,534 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.
The ranges above highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Buick Lacrosse insurance rates for different risk profiles and scenarios.
- The best discount rate is $683
- Drivers who choose higher $1,000 deductibles will pay around $146 every year
- The average price for the average middle-age driver with $500 deductibles is $1,174
- Using low deductibles for comprehensive and collision insurance increases the price to $1,458
- High risk drivers who are prone to accidents and violations could pay upwards of $2,534
- The price to insure a teen driver may cost $4,426 a year
Insurance prices for a Buick Lacrosse are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Lacrosse.
Using high physical damage deductibles could save up to $430 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,680 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $902 | -$272 | -23.2% |
| Arizona | $974 | -$200 | -17.0% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,340 | $166 | 14.1% |
| Colorado | $1,122 | -$52 | -4.4% |
| Connecticut | $1,208 | $34 | 2.9% |
| Delaware | $1,330 | $156 | 13.3% |
| Florida | $1,468 | $294 | 25.0% |
| Georgia | $1,088 | -$86 | -7.3% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $796 | -$378 | -32.2% |
| Illinois | $876 | -$298 | -25.4% |
| Indiana | $886 | -$288 | -24.5% |
| Iowa | $792 | -$382 | -32.5% |
| Kansas | $1,116 | -$58 | -4.9% |
| Kentucky | $1,604 | $430 | 36.6% |
| Louisiana | $1,740 | $566 | 48.2% |
| Maine | $728 | -$446 | -38.0% |
| Maryland | $970 | -$204 | -17.4% |
| Massachusetts | $936 | -$238 | -20.3% |
| Michigan | $2,040 | $866 | 73.8% |
| Minnesota | $986 | -$188 | -16.0% |
| Mississippi | $1,408 | $234 | 19.9% |
| Missouri | $1,044 | -$130 | -11.1% |
| Montana | $1,262 | $88 | 7.5% |
| Nebraska | $926 | -$248 | -21.1% |
| Nevada | $1,408 | $234 | 19.9% |
| New Hampshire | $848 | -$326 | -27.8% |
| New Jersey | $1,314 | $140 | 11.9% |
| New Mexico | $1,038 | -$136 | -11.6% |
| New York | $1,238 | $64 | 5.5% |
| North Carolina | $678 | -$496 | -42.2% |
| North Dakota | $964 | -$210 | -17.9% |
| Ohio | $810 | -$364 | -31.0% |
| Oklahoma | $1,208 | $34 | 2.9% |
| Oregon | $1,078 | -$96 | -8.2% |
| Pennsylvania | $1,120 | -$54 | -4.6% |
| Rhode Island | $1,568 | $394 | 33.6% |
| South Carolina | $1,066 | -$108 | -9.2% |
| South Dakota | $992 | -$182 | -15.5% |
| Tennessee | $1,028 | -$146 | -12.4% |
| Texas | $1,416 | $242 | 20.6% |
| Utah | $870 | -$304 | -25.9% |
| Vermont | $804 | -$370 | -31.5% |
| Virginia | $704 | -$470 | -40.0% |
| Washington | $908 | -$266 | -22.7% |
| West Virginia | $1,078 | -$96 | -8.2% |
| Wisconsin | $812 | -$362 | -30.8% |
| Wyoming | $1,046 | -$128 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $1,114 | $93 |
| Buick Lacrosse CXL | $1,146 | $96 |
| Buick Lacrosse CXL AWD | $1,174 | $98 |
| Buick Lacrosse CXS | $1,206 | $101 |
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 | $298 | $530 | $364 | $1,328 |
| 2019 Buick Lacrosse | $282 | $512 | $376 | $1,306 |
| 2018 Buick Lacrosse | $270 | $474 | $384 | $1,264 |
| 2017 Buick Lacrosse | $260 | $446 | $388 | $1,230 |
| 2016 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
| 2015 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
| 2014 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
| 2013 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
| 2012 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
| 2011 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
| 2010 Buick Lacrosse | $184 | $248 | $402 | $970 |
| 2008 Buick Lacrosse | $168 | $202 | $398 | $904 |
| 2007 Buick Lacrosse | $166 | $198 | $390 | $890 |
| 2006 Buick Lacrosse | $162 | $188 | $384 | $870 |
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 the Right Buick Lacrosse Insurance
Getting lower rates on Buick Lacrosse insurance not only requires having a decent driving record, but also having good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick rundown of the material that was touched on above.
- Drivers who require additional liability coverage will pay an extra $430 per year to go from a low limit to a 250/500 level
- 16 to 18-year-old drivers pay the highest prices, possibly costing $369 a month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,360 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $425 each year
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,426 |
| 20 | $2,692 |
| 30 | $1,222 |
| 40 | $1,174 |
| 50 | $1,076 |
| 60 | $1,054 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,328 |
| $500 | $1,174 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,284 |
| 100/300 | $1,382 |
| 250/500 | $1,635 |
| 100 CSL | $1,323 |
| 300 CSL | $1,538 |
| 500 CSL | $1,694 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,306 |
| 20 | $4,288 |
| 30 | $2,586 |
| 40 | $2,534 |
| 50 | $2,420 |
| 60 | $2,396 |
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 | $62 |
| Multi-vehicle | $62 |
| Homeowner | $18 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $51 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $491 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
