Buick Lacrosse Insurance Rates
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UPDATED: Jun 5, 2023
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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 insurance rates for a Buick Lacrosse are $1,174 a year for full coverage. Comprehensive insurance costs an estimated $248 each year, collision costs $400, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $2,534 or more. Teen drivers pay the highest rates at $4,426 a year or more.
Average premium for full coverage: $1,174
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Lacrosse models.
Price Range from Low to High
Using a middle-aged driver as an example, Buick Lacrosse insurance prices go from as low as $438 for minimum levels of liability insurance to a high rate of $2,534 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
The ranges above show why all drivers should get quotes for a targeted area and risk profile, 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 Rate Details
The chart below shows estimated Buick Lacrosse insurance rates for other coverage scenarios.
- The lowest rate with discounts is $683
- Choosing higher $1,000 deductibles can save approximately $146 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,174
- Choosing low deductibles for comp and collision coverage will cost an extra $284 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,534 or more
- The price for full coverage for a 16-year-old driver can cost as much as $4,426 each year
Car insurance prices for a Buick Lacrosse are also quite variable based on your driving record, the trim level of your Lacrosse, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Buick Lacrosse insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, 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% |
Choosing high deductibles can save as much as $430 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different from one company to the next.
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
Getting lower rates on insurance for a Buick Lacrosse takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a quick review of the material that was touched on in the above illustrations.
- Insureds who want higher liability limits will pay about $430 each year to raise limits from a low limit to 250/500 limits
- Teenagers have the highest car insurance prices, with premiums as much as $369 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,360 more annually for car insurance
- Increasing physical damage 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.
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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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