Buick Lacrosse Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

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 rates for a Buick Lacrosse are $938 a year with full coverage. Comprehensive insurance costs approximately $174 each year, collision costs $226, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $2,008 or more. Teens pay the highest rates at $3,682 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Comprehensive $174
Collision $226
Liability $402

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Lacrosse models.

Price Range from Low to High

For a driver in their 40's, Buick Lacrosse insurance prices go from as low as $446 for basic liability insurance to a high rate of $2,008 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $938
High Risk $2,008

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $704
Small Cities $985
Large Cities $1,266

The ranges above demonstrate why all drivers should compare rates using their specific location and risk profile, 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $565
  • Drivers who choose higher $1,000 deductibles will pay $92 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $938
  • Selecting low deductibles for comprehensive and collision insurance will cost an extra $172 annually
  • Drivers with serious driving violations could pay around $2,008 or more
  • The price for full coverage for a 16-year-old driver can cost $3,682 a year

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing full coverage Buick Lacrosse insurance prices range from $565 to $3,682

Insurance prices for a Buick Lacrosse are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

The state you live in makes a big difference in Buick Lacrosse insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,260 on average in New York, Michigan, and Florida.

Buick Lacrosse Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $846 -$92 -9.8%
Alaska $716 -$222 -23.7%
Arizona $778 -$160 -17.1%
Arkansas $938 -$0 0.0%
California $1,068 $130 13.9%
Colorado $894 -$44 -4.7%
Connecticut $962 $24 2.6%
Delaware $1,058 $120 12.8%
Florida $1,168 $230 24.5%
Georgia $866 -$72 -7.7%
Hawaii $672 -$266 -28.4%
Idaho $634 -$304 -32.4%
Illinois $698 -$240 -25.6%
Indiana $706 -$232 -24.7%
Iowa $630 -$308 -32.8%
Kansas $888 -$50 -5.3%
Kentucky $1,276 $338 36.0%
Louisiana $1,386 $448 47.8%
Maine $578 -$360 -38.4%
Maryland $772 -$166 -17.7%
Massachusetts $746 -$192 -20.5%
Michigan $1,624 $686 73.1%
Minnesota $782 -$156 -16.6%
Mississippi $1,122 $184 19.6%
Missouri $830 -$108 -11.5%
Montana $1,004 $66 7.0%
Nebraska $736 -$202 -21.5%
Nevada $1,122 $184 19.6%
New Hampshire $674 -$264 -28.1%
New Jersey $1,048 $110 11.7%
New Mexico $828 -$110 -11.7%
New York $986 $48 5.1%
North Carolina $540 -$398 -42.4%
North Dakota $768 -$170 -18.1%
Ohio $646 -$292 -31.1%
Oklahoma $960 $22 2.3%
Oregon $856 -$82 -8.7%
Pennsylvania $894 -$44 -4.7%
Rhode Island $1,246 $308 32.8%
South Carolina $848 -$90 -9.6%
South Dakota $790 -$148 -15.8%
Tennessee $820 -$118 -12.6%
Texas $1,128 $190 20.3%
Utah $692 -$246 -26.2%
Vermont $638 -$300 -32.0%
Virginia $562 -$376 -40.1%
Washington $722 -$216 -23.0%
West Virginia $856 -$82 -8.7%
Wisconsin $646 -$292 -31.1%
Wyoming $832 -$106 -11.3%

View Chart as Image

Buick Lacrosse insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $270 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every company calculates prices differently, and prices may be quite different from one company to the next.

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 $900 $75
Buick Lacrosse CXL $918 $77
Buick Lacrosse CXL AWD $938 $78
Buick Lacrosse CXS $956 $80

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 $248 $400 $390 $1,174
2014 Buick Lacrosse $232 $368 $390 $1,126
2013 Buick Lacrosse $224 $346 $394 $1,100
2011 Buick Lacrosse $202 $300 $402 $1,040
2010 Buick Lacrosse $198 $272 $406 $1,012
2008 Buick Lacrosse $174 $226 $402 $938
2007 Buick Lacrosse $168 $202 $398 $904
2006 Buick Lacrosse $166 $198 $390 $890

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 More Affordable Buick Lacrosse Insurance

Getting lower rates on insurance for a Buick Lacrosse not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a summary of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,070 more per year to insure their Lacrosse
  • Teen drivers are the costliest to insure, costing up to $307 a month including comprehensive and collision insurance
  • You may be able to save around $110 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $275 each year
  • You may be able to save around $110 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock 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.


  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 $3,682
20 $2,130
30 $958
40 $938
50 $858
60 $840

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,110
$250 $1,030
$500 $938
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,036
100/300 $1,137
250/500 $1,398
100 CSL $1,077
300 CSL $1,298
500 CSL $1,459

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lacrosse Insurance Rates for High Risk Drivers
Age Premium
16 $5,202
20 $3,390
30 $2,034
40 $2,008
50 $1,918
60 $1,900

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 $125

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $59
5-yr Claim Free $59
Paid in Full/EFT $35
Advance Quote $42
Online Quote $64
Total Discounts $373
Rate after discounts $565

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles