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.
The average insurance rates for a Buick Lacrosse are $1,174 a year for full coverage insurance. Comprehensive costs approximately $248, collision costs $400, and liability costs $390. Liability-only insurance costs as little as $438 a year, with high-risk driver insurance costing around $2,534. Teenage drivers cost the most to insure at $4,426 a year or more.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Lacrosse trim levels.
Price Range Variability
For a driver in their 40's, Buick Lacrosse insurance rates go from as low as $438 for just liability coverage to a much higher rate of $2,534 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Buick Lacrosse insurance rates for additional coverage and risk scenarios.
- The best discount rate is $683
- Drivers who choose higher $1,000 deductibles will pay $146 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,174
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,458
- Higher-risk drivers who are prone to accidents and violations could pay around $2,534 or more
- Policy cost for full coverage for a teen driver with full coverage can cost $4,426 a year
Auto insurance rates for a Buick Lacrosse also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age
Your home state 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 be forced to pay 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% |
Using high physical damage deductibles could save up to $430 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied 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 Low Cost Buick Lacrosse Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and not having any coverage lapses. Invest time comparing rates every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a review of the coverage data covered in the charts and tables above.
- It is possible to save around $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $425 each year
- Teens have the highest car insurance rates, possibly costing $369 each month if they have full coverage
- Higher risk drivers who have several accidents or serious violations may pay on average $1,360 more per year for Lacrosse insurance
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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