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.
The average insurance rates for a Buick Lacrosse are $1,174 a year with full coverage. Comprehensive costs approximately $248, collision insurance costs $400, and liability insurance is $390. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs around $2,534. Teen drivers cost the most to insure at up to $4,426 a year.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Lacrosse models.
Price Range Variability
For a driver in their 40's, Buick Lacrosse insurance rates range from as low as $438 for a discount liability-only rate to the much higher price of $2,534 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why everyone should compare rates quotes using their specific location and risk profile, 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.
Rates by State, City, and Model
The chart below details average Buick Lacrosse insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $683
- Raising to $1,000 deductibles will save $146 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,174
- Choosing pricier low deductibles will increase the cost to $1,458
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,534
- Policy cost for full coverage for a teen driver for full coverage can cost $4,426
Auto insurance rates for a Buick Lacrosse also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,400 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 $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,590 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can reduce rates by up to $430 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. Buick Lacrosse insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
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 Find the Best Cheap Buick Lacrosse Insurance
Finding cheaper rates on Buick Lacrosse insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a quick review of the material that was covered in the charts and tables above.
- Drivers who purchase higher levels of liability will pay about $430 every year to raise from a 30/60 limit to 250/500 limits
- Teenage drivers have the highest car insurance rates, as much as $369 each month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation pay on average $1,360 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save around $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
