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.

Average auto insurance rates for a Buick Lacrosse are $1,126 annually including full coverage. Comprehensive costs an estimated $232 each year, collision insurance costs $368, and liability coverage costs around $390. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $2,430. Teen drivers receive the highest rates at up to $4,276 a year.

Average premium for full coverage: $1,126

Rate estimates broken down by individual coverage type:

Comprehensive $232
Collision $368
Liability $390

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Lacrosse models.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $438 for your basic liability-only policy to a high rate of $2,430 for high-risk insurance.

Liability Only $438
Full Coverage $1,126
High Risk $2,430

Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using 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.

More Rate Information

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

  • The lowest rate with discounts is $659
  • Using higher $1,000 deductibles will save approximately $136 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,126
  • Choosing low deductibles for physical damage coverage will cost $1,390
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,430
  • The cost with full coverage for a teenage driver can cost as much as $4,276 or more

View Chart as Image

Buick Lacrosse insurance cost comparison chart
Column chart showing Buick Lacrosse insurance rates range from $659 to $4,276 for full coverage

Auto insurance rates for a Buick Lacrosse can also vary considerably based on the trim level of your Lacrosse, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,300 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $400 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Buick Lacrosse insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,610 on average in Louisiana, New York, and Michigan.

Buick Lacrosse Insurance Rates by State
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%

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 $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.

Buick Lacrosse Insurance Rates by Model Year
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 Buy the Right Buick Lacrosse Insurance

Saving money on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a quick rundown of the material that was covered in the above illustrations.

  • Consumers who want more liability coverage will pay about $430 per year to increase from a minimum limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, as much as $356 per month if full coverage is included
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,300 more annually to insure their Lacrosse
  • Increasing deductibles could save up to $400 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

  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 $4,276
20 $2,582
30 $1,168
40 $1,126
50 $1,032
60 $1,012

Full coverage, $500 deductibles

Rates by Deductible

Buick Lacrosse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,390
$250 $1,268
$500 $1,126
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Buick Lacrosse Insurance Rates with Different Liability Limits
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

Buick Lacrosse Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $659

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

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