Buick Lacrosse Insurance Rates
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Michelle Robbins
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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.
Average insurance rates for a Buick Lacrosse are $1,126 a year including full coverage. Comprehensive insurance costs around $232 each year, collision costs $368, and liability insurance costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $2,430 or more. Teen drivers receive the highest rates at $4,276 a year or more.
Average premium for full coverage: $1,126
Rate estimates for individual coverage type:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Lacrosse models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $438 for just the minimum liability insurance to a high rate of $2,430 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code, 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.
Additional Rate Analysis
The chart below breaks down estimated Buick Lacrosse insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $659
- Drivers who choose higher $1,000 deductibles will pay about $136 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,126
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $264 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,430 or more
- The cost that insures a teen driver can be $4,276 a year
Car insurance rates for a Buick Lacrosse can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 128% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age
Where you live makes a big difference in Buick Lacrosse insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,610 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,018 | -$108 | -9.6% |
Alaska | $864 | -$262 | -23.3% |
Arizona | $936 | -$190 | -16.9% |
Arkansas | $1,126 | -$0 | 0.0% |
California | $1,286 | $160 | 14.2% |
Colorado | $1,076 | -$50 | -4.4% |
Connecticut | $1,158 | $32 | 2.8% |
Delaware | $1,274 | $148 | 13.1% |
Florida | $1,406 | $280 | 24.9% |
Georgia | $1,042 | -$84 | -7.5% |
Hawaii | $810 | -$316 | -28.1% |
Idaho | $764 | -$362 | -32.1% |
Illinois | $840 | -$286 | -25.4% |
Indiana | $850 | -$276 | -24.5% |
Iowa | $760 | -$366 | -32.5% |
Kansas | $1,070 | -$56 | -5.0% |
Kentucky | $1,538 | $412 | 36.6% |
Louisiana | $1,668 | $542 | 48.1% |
Maine | $698 | -$428 | -38.0% |
Maryland | $930 | -$196 | -17.4% |
Massachusetts | $898 | -$228 | -20.2% |
Michigan | $1,956 | $830 | 73.7% |
Minnesota | $944 | -$182 | -16.2% |
Mississippi | $1,350 | $224 | 19.9% |
Missouri | $1,000 | -$126 | -11.2% |
Montana | $1,210 | $84 | 7.5% |
Nebraska | $888 | -$238 | -21.1% |
Nevada | $1,350 | $224 | 19.9% |
New Hampshire | $814 | -$312 | -27.7% |
New Jersey | $1,260 | $134 | 11.9% |
New Mexico | $996 | -$130 | -11.5% |
New York | $1,186 | $60 | 5.3% |
North Carolina | $650 | -$476 | -42.3% |
North Dakota | $924 | -$202 | -17.9% |
Ohio | $776 | -$350 | -31.1% |
Oklahoma | $1,156 | $30 | 2.7% |
Oregon | $1,034 | -$92 | -8.2% |
Pennsylvania | $1,074 | -$52 | -4.6% |
Rhode Island | $1,504 | $378 | 33.6% |
South Carolina | $1,022 | -$104 | -9.2% |
South Dakota | $950 | -$176 | -15.6% |
Tennessee | $986 | -$140 | -12.4% |
Texas | $1,358 | $232 | 20.6% |
Utah | $834 | -$292 | -25.9% |
Vermont | $770 | -$356 | -31.6% |
Virginia | $674 | -$452 | -40.1% |
Washington | $870 | -$256 | -22.7% |
West Virginia | $1,034 | -$92 | -8.2% |
Wisconsin | $778 | -$348 | -30.9% |
Wyoming | $1,004 | -$122 | -10.8% |
Choosing high deductibles could save up to $400 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Buick Lacrosse CX | $1,070 | $89 |
Buick Lacrosse CXL | $1,100 | $92 |
Buick Lacrosse CXL AWD | $1,126 | $94 |
Buick Lacrosse CXS | $1,156 | $96 |
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 | $282 | $512 | $376 | $1,306 |
2019 Buick Lacrosse | $270 | $474 | $384 | $1,264 |
2018 Buick Lacrosse | $260 | $446 | $388 | $1,230 |
2017 Buick Lacrosse | $248 | $400 | $390 | $1,174 |
2016 Buick Lacrosse | $232 | $368 | $390 | $1,126 |
2015 Buick Lacrosse | $224 | $346 | $394 | $1,100 |
2014 Buick Lacrosse | $220 | $322 | $402 | $1,080 |
2013 Buick Lacrosse | $202 | $300 | $402 | $1,040 |
2012 Buick Lacrosse | $198 | $272 | $406 | $1,012 |
2011 Buick Lacrosse | $184 | $248 | $402 | $970 |
2010 Buick Lacrosse | $174 | $226 | $402 | $938 |
2008 Buick Lacrosse | $166 | $198 | $390 | $890 |
2007 Buick Lacrosse | $162 | $188 | $384 | $870 |
2006 Buick Lacrosse | $148 | $180 | $380 | $844 |
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
Saving money on Buick Lacrosse insurance not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a summary of the data presented in the illustrations above.
- Drivers who may need higher liability limits will pay about $430 per year to go from a minimum limit to the 250/500 level
- You may be able to save up to $130 per year simply by quoting online in advance
- Increasing deductibles can save approximately $400 each year
- Teens are the costliest to insure, as much as $356 per month if full coverage is purchased
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 | $4,276 |
20 | $2,582 |
30 | $1,168 |
40 | $1,126 |
50 | $1,032 |
60 | $1,012 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,390 |
$250 | $1,268 |
$500 | $1,126 |
$1,000 | $990 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,126 |
50/100 | $1,234 |
100/300 | $1,332 |
250/500 | $1,585 |
100 CSL | $1,273 |
300 CSL | $1,488 |
500 CSL | $1,644 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,082 |
20 | $4,110 |
30 | $2,476 |
40 | $2,430 |
50 | $2,320 |
60 | $2,296 |
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 | $59 |
Multi-vehicle | $59 |
Homeowner | $18 |
5-yr Accident Free | $78 |
5-yr Claim Free | $72 |
Paid in Full/EFT | $48 |
Advance Quote | $54 |
Online Quote | $79 |
Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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