Buick Lacrosse Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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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 auto insurance rates for a Buick Lacrosse are $904 annually for full coverage. Comprehensive costs an estimated $168, collision insurance costs $202, and liability costs $398. A policy with just liability insurance costs as little as $444 a year, and coverage for high-risk drivers costs around $1,934. Teenage drivers receive the highest rates at up to $3,568 a year.

Average premium for full coverage: $904

Rate estimates broken down by individual coverage type:

Comprehensive $168
Collision $202
Liability $398

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist 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 as cheap as $444 for liability-only coverage to a much higher rate of $1,934 for a high-risk insurance policy.

Liability Only $444
Full Coverage $904
High Risk $1,934

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $678
Small Cities $949
Large Cities $1,220

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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.

Additional Charts and Tables

The chart below shows average Buick Lacrosse insurance rates for other coverage scenarios.

  • The best discount rate is $550
  • Drivers who choose higher $1,000 deductibles will pay approximately $84 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $904
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,064
  • Drivers who are prone to accidents and violations could pay up to $1,934
  • The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,568 a year

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing Buick Lacrosse insurance rates range from $550 to $3,568 for full coverage

Insurance rates for a Buick Lacrosse can also vary considerably based on the trim level of your Lacrosse, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,500 additional per year, depending on your age. High-risk driver insurance can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $250 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Buick Lacrosse insurance prices. A 40-year-old driver could pay as low as $600 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,290 on average in New York, Louisiana, and Michigan.

Buick Lacrosse Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $818 -$86 -9.5%
Alaska $694 -$210 -23.2%
Arizona $750 -$154 -17.0%
Arkansas $904 -$0 0.0%
California $1,030 $126 13.9%
Colorado $862 -$42 -4.6%
Connecticut $928 $24 2.7%
Delaware $1,022 $118 13.1%
Florida $1,130 $226 25.0%
Georgia $836 -$68 -7.5%
Hawaii $650 -$254 -28.1%
Idaho $614 -$290 -32.1%
Illinois $672 -$232 -25.7%
Indiana $680 -$224 -24.8%
Iowa $610 -$294 -32.5%
Kansas $858 -$46 -5.1%
Kentucky $1,232 $328 36.3%
Louisiana $1,338 $434 48.0%
Maine $558 -$346 -38.3%
Maryland $746 -$158 -17.5%
Massachusetts $720 -$184 -20.4%
Michigan $1,570 $666 73.7%
Minnesota $758 -$146 -16.2%
Mississippi $1,082 $178 19.7%
Missouri $802 -$102 -11.3%
Montana $970 $66 7.3%
Nebraska $712 -$192 -21.2%
Nevada $1,084 $180 19.9%
New Hampshire $652 -$252 -27.9%
New Jersey $1,012 $108 11.9%
New Mexico $798 -$106 -11.7%
New York $952 $48 5.3%
North Carolina $520 -$384 -42.5%
North Dakota $742 -$162 -17.9%
Ohio $622 -$282 -31.2%
Oklahoma $926 $22 2.4%
Oregon $830 -$74 -8.2%
Pennsylvania $862 -$42 -4.6%
Rhode Island $1,206 $302 33.4%
South Carolina $820 -$84 -9.3%
South Dakota $762 -$142 -15.7%
Tennessee $790 -$114 -12.6%
Texas $1,090 $186 20.6%
Utah $668 -$236 -26.1%
Vermont $616 -$288 -31.9%
Virginia $540 -$364 -40.3%
Washington $698 -$206 -22.8%
West Virginia $830 -$74 -8.2%
Wisconsin $624 -$280 -31.0%
Wyoming $804 -$100 -11.1%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Buick Lacrosse Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Buick Lacrosse CX $870 $73
Buick Lacrosse CXL $888 $74
Buick Lacrosse CXL AWD $904 $75
Buick Lacrosse CXS $922 $77

Rates assume 2008 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.

Buick Lacrosse Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Buick Lacrosse $232 $368 $390 $1,126
2014 Buick Lacrosse $224 $346 $394 $1,100
2013 Buick Lacrosse $220 $322 $402 $1,080
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 Buy the Right Buick Lacrosse Insurance

Saving money on insurance for a Buick Lacrosse not only requires being a safe and courteous driver, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a quick rundown of the car insurance concepts covered above.

  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,030 more annually for auto insurance
  • Drivers can save approximately $100 per year just by shopping early and online
  • Increasing deductibles could save up to $250 each year
  • Insureds who want higher levels of liability will pay an extra $440 each year to go from a minimum limit 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

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

Rates by Driver Age

Buick Lacrosse Insurance Rates by Driver Age
Driver Age Premium
16 $3,568
20 $2,048
30 $922
40 $904
50 $832
60 $814

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,064
$250 $992
$500 $904
$1,000 $820

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $904
50/100 $1,002
100/300 $1,101
250/500 $1,360
100 CSL $1,041
300 CSL $1,260
500 CSL $1,420

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lacrosse Insurance Rates for High Risk Drivers
Age Premium
16 $5,030
20 $3,262
30 $1,954
40 $1,934
50 $1,846
60 $1,828

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.

SR-22 Surcharge $119

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $55
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $354
Rate after discounts $550

Discounts are estimated and may not be available from every company or in every state.

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