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.
U.S. average auto insurance rates for a Buick Lacrosse are $1,174 annually for full coverage insurance. Comprehensive costs an estimated $248 each year, collision insurance costs $400, and liability costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $2,534. Teen drivers pay the highest rates at up to $4,426 a year.
Average premium for full coverage: $1,174
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Lacrosse models.
Price Range from Low to High
For the average driver, Buick Lacrosse insurance prices range from as cheap as $438 for liability-only coverage to a high rate of $2,534 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.
The ranges above illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based 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.
Additional Charts and Tables
The chart below illustrates average Buick Lacrosse insurance rates for other coverage scenarios.
- The lowest rate with discounts is $683
- Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,174
- Choosing low deductibles for comprehensive and collision insurance will cost $1,458
- Drivers with multiple violations and an at-fault accident could pay up to $2,534
- The price with full coverage for a 16-year-old driver can cost as much as $4,426 a year
Insurance prices for a Buick Lacrosse are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $430 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Buick Lacrosse insurance prices. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,590 on average in Florida, New York, and Michigan.
| 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% |
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 Buy the Best Buick Lacrosse Insurance
Getting lower rates on insurance for a Buick Lacrosse not only requires being a low-risk driver, but also having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief recap of the material that was touched on above.
- Insureds who want more liability coverage will pay about $430 annually to go from a low limit to higher 250/500 limits
- Teen drivers are expensive to insure, as much as $369 a month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,360 more annually to insure their Lacrosse
- Increasing physical damage deductibles could save up to $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.
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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 | $4,426 |
| 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.
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