Buick Lacrosse Insurance Rates

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.

The average insurance rates for a Buick Lacrosse are $1,100 a year including full coverage. Comprehensive costs approximately $224 each year, collision costs $346, and liability insurance is $394. Buying just liability costs around $440 a year, with insurance for high-risk drivers costing around $2,370. Teenage drivers cost the most to insure at $4,192 a year or more.

Average premium for full coverage: $1,100

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Lacrosse models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down estimated Buick Lacrosse insurance rates for additional coverage and risk scenarios.

• The best discount rate is $646
• Raising to $1,000 deductibles will save $130 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,100
• Using low deductibles bumps up the cost to $1,350
• Higher-risk drivers who are prone to accidents and violations could pay around $2,370 or more
• Policy cost that insures a teen driver can cost $4,192

View Chart as Image

Insurance rates for a Buick Lacrosse also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,100 a year. View Rates by Age

Your home state also has a big influence on Buick Lacrosse insurance rates. A middle-age driver might find rates as low as $840 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,570 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $354 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Buick Lacrosse Insurance

Finding cheaper rates on Buick Lacrosse insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at every other renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a summary of the concepts that were covered above.

• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,270 more per year to buy Buick Lacrosse insurance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $349 each month if full coverage is included
• You may be able to save around $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• You may be able to save around $130 per year simply by quoting online in advance

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.

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.

• Buick Regal Insurance Rates
• Chevrolet Impala Insurance Rates
• Chrysler 300 Insurance Rates

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

1. https://www.iihs.org/ratings/vehicle/buick/lacrosse-4-door-sedan/2019