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.
Estimated insurance prices for a Buick Lacrosse are $1,040 every 12 months for full coverage. Comprehensive costs around $202 each year, collision insurance costs $300, and liability is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs around $2,240. Teens pay the most at up to $4,012 a year.
Average premium for full coverage: $1,040
Premium estimates for type of coverage:
Rates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Lacrosse models.
Insurance Price Range by Risk and Coverage
For a middle-aged driver, insurance rates for a Buick Lacrosse range from the cheapest price of $446 for minimum levels of liability insurance to a high rate of $2,240 for a high risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the effect of location on auto insurance rates.
These rate differences show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below shows average Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $617
- Raising to $1,000 deductibles will save about $114 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,040
- Selecting low deductibles increases the price to $1,258
- Drivers with serious driving violations could pay at least $2,240
- An auto insurance policy to insure a 16-year-old driver can be $4,012
Insurance prices for a Buick Lacrosse also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 annually, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Buick Lacrosse insurance prices. A middle-age driver might find prices as low as $690 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,480 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $940 | -$100 | -9.6% |
| Alaska | $798 | -$242 | -23.3% |
| Arizona | $862 | -$178 | -17.1% |
| Arkansas | $1,040 | -$0 | 0.0% |
| California | $1,186 | $146 | 14.0% |
| Colorado | $992 | -$48 | -4.6% |
| Connecticut | $1,068 | $28 | 2.7% |
| Delaware | $1,174 | $134 | 12.9% |
| Florida | $1,298 | $258 | 24.8% |
| Georgia | $962 | -$78 | -7.5% |
| Hawaii | $746 | -$294 | -28.3% |
| Idaho | $704 | -$336 | -32.3% |
| Illinois | $776 | -$264 | -25.4% |
| Indiana | $784 | -$256 | -24.6% |
| Iowa | $702 | -$338 | -32.5% |
| Kansas | $986 | -$54 | -5.2% |
| Kentucky | $1,416 | $376 | 36.2% |
| Louisiana | $1,540 | $500 | 48.1% |
| Maine | $642 | -$398 | -38.3% |
| Maryland | $858 | -$182 | -17.5% |
| Massachusetts | $830 | -$210 | -20.2% |
| Michigan | $1,804 | $764 | 73.5% |
| Minnesota | $870 | -$170 | -16.3% |
| Mississippi | $1,246 | $206 | 19.8% |
| Missouri | $922 | -$118 | -11.3% |
| Montana | $1,116 | $76 | 7.3% |
| Nebraska | $818 | -$222 | -21.3% |
| Nevada | $1,246 | $206 | 19.8% |
| New Hampshire | $750 | -$290 | -27.9% |
| New Jersey | $1,162 | $122 | 11.7% |
| New Mexico | $920 | -$120 | -11.5% |
| New York | $1,096 | $56 | 5.4% |
| North Carolina | $598 | -$442 | -42.5% |
| North Dakota | $852 | -$188 | -18.1% |
| Ohio | $716 | -$324 | -31.2% |
| Oklahoma | $1,066 | $26 | 2.5% |
| Oregon | $952 | -$88 | -8.5% |
| Pennsylvania | $992 | -$48 | -4.6% |
| Rhode Island | $1,386 | $346 | 33.3% |
| South Carolina | $944 | -$96 | -9.2% |
| South Dakota | $878 | -$162 | -15.6% |
| Tennessee | $910 | -$130 | -12.5% |
| Texas | $1,252 | $212 | 20.4% |
| Utah | $770 | -$270 | -26.0% |
| Vermont | $708 | -$332 | -31.9% |
| Virginia | $624 | -$416 | -40.0% |
| Washington | $802 | -$238 | -22.9% |
| West Virginia | $952 | -$88 | -8.5% |
| Wisconsin | $718 | -$322 | -31.0% |
| Wyoming | $924 | -$116 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lacrosse CX | $992 | $83 |
| Buick Lacrosse CXL | $1,016 | $85 |
| Buick Lacrosse CXL AWD | $1,040 | $87 |
| Buick Lacrosse CXS | $1,064 | $89 |
Rates assume 2012 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 Cheaper Buick Lacrosse Insurance
Finding better rates on insurance for a Buick Lacrosse consists of not taking risks behind the wheel, having good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to shop around at least every two years by quoting rates from direct carriers, and also from local exclusive and independent agents.
The following is a summary of the information that was covered in this article.
- Increasing policy deductibles could save as much as $325 each year
- Drivers can save up to $120 per year just by quoting online in advance
- Insureds who may need higher liability limits will pay approximately $440 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Teens pay higher prices, as much as $334 per month if they have full coverage
- Drivers considered higher risk that have multiple accidents or serious violations may pay on average $1,200 more every year for Lacrosse insurance
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 | $4,012 |
| 20 | $2,374 |
| 30 | $1,070 |
| 40 | $1,040 |
| 50 | $952 |
| 60 | $932 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,258 |
| $250 | $1,160 |
| $500 | $1,040 |
| $1,000 | $926 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,040 |
| 50/100 | $1,144 |
| 100/300 | $1,245 |
| 250/500 | $1,506 |
| 100 CSL | $1,185 |
| 300 CSL | $1,406 |
| 500 CSL | $1,567 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,694 |
| 20 | $3,784 |
| 30 | $2,274 |
| 40 | $2,240 |
| 50 | $2,136 |
| 60 | $2,116 |
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 | $54 |
| Multi-vehicle | $55 |
| Homeowner | $17 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $42 |
| Advance Quote | $48 |
| Online Quote | $72 |
| Total Discounts | $423 |
Discounts are estimated and may not be available from every company or in every state.
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