Compare Buick LaCrosse Car Insurance Rates [2024]
If you want to buy affordable Buick LaCrosse insurance coverage then you should know that a policy will cost $113 per month ($1,360 per year) on average. You can find cheap Buick LaCrosse insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $799 a year.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: May 13, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key Takeaways:
- Full coverage costs around $1,360 a year or $113 each month
- A liability-only policy costs around $545 a year or $45 each month
- Highest rates are for teenage drivers at around $4,971 a year or $414 each month
- Good drivers can save as much as $561 a year by earning policy discounts
- Buick LaCrosse insurance costs around $159 less per year than the average vehicle
On average, Buick LaCrosse car insurance rates cost $1,360 per year, which is about $113 every month. Good drivers who qualify for policy discounts can save about $545 a year on Buick LaCrosse insurance rates.
Keep reading through this article to learn all about how Buick LaCrosse rates are determined so you can consider yourself informed and ready to compare quotes like an expert, not to mention feel safe while you drive around.
You can start comparing quotes for Buick LaCrosse car insurance rates from some of the best car insurance companies by using our free online tool now.
What is the average cost of coverage for a Buick LaCrosse?
The average Buick LaCrosse auto insurance costs are $1,360 a year or $113 a month.
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Are Buick LaCrosses expensive to insure?
The chart below details how Buick LaCrosse insurance rates compare to other hybrid/electrics like the Ford C-Max Hybrid, Honda Accord Hybrid, and Toyota Prius.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| Toyota Prius | $306 | $512 | $332 | $1,286 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
However, there are a few things you can do to find the cheapest Buick insurance rates online.
What impacts the cost of Buick LaCrosse insurance?
The Buick LaCrosse trim and model you choose can impact the total price you will pay for coverage. It may seem strange that trim would be looked at, but a company is going to look at what makes a car expensive to cover. If you have premium trim, a higher powered engine, and sometimes even more expensive wheels, your car is going to cost more to repair. It’s the same with any luxury improvements made to a car, or if they come with such features. A car that costs more on the automotive market will need higher levels of coverage in order for you not to pay anything out of pocket in terms of damage.
Does the age of the car matter?
Older Buick LaCrosse models generally cost less to insure. For example, car insurance rates for a 2018 Buick LaCrosse are $1,360, while 2010 Buick LaCrosse rates are $1,100, a difference of $260.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| 2017 Buick LaCrosse | $308 | $552 | $354 | $1,350 |
| 2016 Buick LaCrosse | $298 | $530 | $364 | $1,328 |
| 2015 Buick LaCrosse | $282 | $512 | $376 | $1,306 |
| 2014 Buick LaCrosse | $270 | $474 | $384 | $1,264 |
| 2013 Buick LaCrosse | $260 | $446 | $388 | $1,230 |
| 2012 Buick LaCrosse | $248 | $400 | $390 | $1,174 |
| 2011 Buick LaCrosse | $232 | $368 | $390 | $1,126 |
| 2010 Buick LaCrosse | $224 | $346 | $394 | $1,100 |
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Is the age of the driver a factor?
Driver age can have a significant impact on Buick LaCrosse auto insurance rates. As an example, a 40-year-old driver could pay $144 less each month for their Buick LaCrosse auto insurance compared to a 20-year-old driver.
What about driver location?
Where vehicle owners live is absolutely a factor on what they’ll pay for coverage. For example, drivers in Los Angeles may pay $1,170 a year more than drivers in Indianapolis.
Will your driving record be looked at?
Your driving record can have an impact on the cost of insurance as well. Teens and drivers in their 20’s see the highest jump in their Buick LaCrosse car insurance with violations on their driving record.
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Are safety ratings for the vehicles looked at?
Your Buick LaCrosse car insurance rates are influenced by the safety ratings of the Buick LaCrosse. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
A vehicle with decent safety features can lead to savings on your car insurance rates.
What about crash test ratings?
If the Buick LaCrosse crash test ratings are good, you could have lower Buick LaCrosse car insurance rates. See Buick LaCrosse crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Buick LaCrosse Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Buick LaCrosse 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Buick LaCrosse 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Buick LaCrosse Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Buick LaCrosse 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Buick LaCrosse 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Buick LaCrosse 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Buick LaCrosse 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
What are some of the safety features that come with a Buick LaCrosse?
The safety features for the 2019 Buick LaCrosse include:
- Driver air bag
- Passenger air bag
- Front head air bag
- Rear head air bag
- Front side air bag
- Rear side air bag
- 4-Wheel ABS
- 4-Wheel disc brakes
- Electronic stability control
- Daytime running lights
- Integrated turn signal mirrors
- Traction control
Buick LaCrosse safety features can lower the cost of your insurance.
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What is the loss probability of a Buick LaCrosse?
The Buick LaCrosse’s insurance loss probability varies between different coverage types.
| Insurance Coverage Category | Loss Rate |
| Collision | -4% |
|---|---|
| Property Damage | -15% |
| Comprehensive | -7% |
| Personal Injury | 0% |
| Medical Payment | 9% |
| Bodily Injury | -8% |
| Source: Insurance Institute for Highway Safety | |
The lower percentage means lower Buick LaCrosse auto insurance costs; higher percentages mean higher Buick LaCrosse auto insurance costs.
What correlation is there between financing and insurance prices?
If you are financing a Buick LaCrosse, most lenders will require your carry higher than average coverage, including comprehensive coverage, so be sure to compare Buick LaCrosse car insurance rates from the best companies using our FREE tool below.
Are there ways to save money on your insurance prices?
There are several ways you can save even more on your insurance rates. Take a look at the following five tips:
- Move to the countryside where it costs less
- Get quotes from Costco regarding insurance prices
- Improve your credit score
- Remove young drivers from your auto policy when they move out or go to school
- Avoid filing claims for minor incidents
Talk to your insurance agent to see what savings or discount are available to you.
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What are the top insurance companies?
Who is the top auto insurance company for Buick LaCrosse insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Buick LaCrosse auto insurance coverage (ordered by market share).
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Many of these companies offer discounts for security systems and other safety features that the Buick LaCrosse offers.
Compare Free Buick LaCrosse Insurance Quotes Online
Start comparing Buick LaCrosse auto insurance quotes for free by using our FREE online comparison tool. The automotive industry understands that it’s a competitive world, so you’ll be able to find prices that you can afford, which may leave you room to upgrade your ride, maybe with heated seats or by getting an engine tune-up.
You bought a Buick LaCrosse and you’re excited to drive this new, sleek car and try out the features, like the smart key and OnStar Navigator.
But before you can legally drive this car, you need to buy insurance for it.
Look for a company that will provide you excellent service and won’t just attempt to overcharge you.
Start by entering your ZIP code and get online car insurance quotes now!
What are some more safety features?
Most car insurance companies offer discounts for having safety devices in your vehicle. The Buick LaCrosse comes with many of these assistive features which will help you lower your car insurance rates.
The Buick LaCrosse has:
- OnStar Automatic Crash Response – guarantees someone will always be there to call for help in case of an accident
- Ultrasonic Rear Parking Assist – notifies you when there is an object eight feet or less behind you
- Heads Up Display – projects your speedometer, gas gauge, odometer, etc. onto your windshield so you don’t have to look down
- Side Blind Zone Alert – lets you know when there is something in your blind zone
- Stabilitrak – notifies you when you’re about to lose control of your car and helps you get back in control
- Tire Pressure Monitor – tells you when your pressure is low
- Advanced Airbags – air bags that use sensors to calculate the weight and height of people in the seats and modifies the amount of force during deployment to reduce injury
- Anti-theft system – car alarms, tracking devices and other technology to prevent theft
- Fog Lights – low beam lights to help you see in a fog
- Child safety restraints in the back seats – allow you to not have the extra expense of buying a car seat
- Child safety locks – prevent children from opening the door while driving
The Buick LaCrosse also offers other optional safety features, such as an auto-dimming rearview mirror to protect you from headlights flashing in your eyes, a rearview camera that gives you a better look of what’s behind you, anti-lock breaks, wheel locks, and a panic alarm.
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What impact do safety ratings have on what you’ll pay?
Car safety ratings are set by the National Highway Traffic Safety Institute and the Insurance Institute for Highway Safety (IIHS). These organizations use a five-star system to evaluate aspects like how much impact Buick LaCrosses can withstand.
The Buick LaCrosse is one of the top ten least expensive cars to insure because the IIHS rated it as one of the safest large cars available.
The IIHS simulates crashes from the front, sides, and back of cars, and they test the roof strength that would be stressed in a rollover.
Each of these tests then earns one of the following safety ratings: good, acceptable, marginal, or poor.
The Buick LaCrosse rated good in all categories of the IIHS safety tests from 2010-2016.
What factors impact car insurance rates for my Buick LaCrosse?
No matter how many safety devices automatically come with your Buick LaCrosse and how many optional ones you choose, there are always factors that will affect your insurance rates that are beyond your control or will be based on the model of your car.
A few of the common ones are listed below:
- Age – If you are a driver under 25 or older than 55 your car insurance will be more expensive than the average adult. On the other hand, people who are middle-aged will pay less for car insurance.
- Location – Insurance rates depend a lot on where you live. If you live in a neighborhood where there is a lot of theft, your car insurance will cost more because your car will be more at risk. Conversely, insurance companies will give discounts to people in safe neighborhoods.
- Gender – Studies show that women cause and are in fewer accidents than men so insurance companies tend to charge men more than women.
- Credit Report – A good credit report shows insurers that you’re responsible with money, so they’ll probably charge you less. The opposite is true of a bad credit report.
- Driving Record – Like your credit report, a good driving record could save you money by showing you are not a risky driver.
It’s always a good idea to talk to your insurance agent about these factors. In some cases, things like a good driving record or good credit can lead to discounts or other savings. They can make up for the fact that your car may only come with standard features.
What are some optional features?
Other features can be added to your Buick Lacrosse to help lower your auto insurance premium as well as the features that come standard. Some of these features include:
- Auto-dimming rearview mirror to keep the glare of nighttime lights out of the driver’s eyes
- Rearview camera to make sure your backing path is completely clear before you put the car in reverse
- Wheel locks
All of these features increase the chances of you safely driving and not experiencing a collision so insurance agencies will look positively upon this.
These features can help lower your auto insurance rate significantly.
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Has the Buick LaCrosse won any awards?
J.D. Power and Associates gave the Buick Lacrosse the highest rating for dependability. Reliability is something that insurance companies look fondly on.
It’s important when shopping for car insurance to look around and get quotes from several different companies before deciding on the one that’s right for you.
Insurance rates differ from person to person and from town to town so it’s best to compare rates to ensure that you’re getting the best deal for your Buick Lacrosse auto insurance. This way, you have a car with plenty of power, and plenty of coverage.
We want to help you find the best insurance to cover your car. Enter your ZIP code to find free car insurance quotes for your Buick LaCrosse now!
Frequently Asked Questions
How can I compare Buick LaCrosse car insurance rates?
To compare insurance rates for your Buick LaCrosse, you can follow these steps:
- Gather relevant information: Make sure you have details about your Buick LaCrosse, such as its make, model, year of manufacture, and vehicle identification number (VIN).
- Research insurance companies: Look for reputable insurance providers that offer coverage in your area and have experience insuring Buick vehicles.
- Request quotes: Reach out to different insurance companies and provide them with the necessary information about your Buick LaCrosse. Request insurance quotes for comparison.
- Compare coverage options: Carefully review the coverage options offered by each insurance company, including liability coverage, comprehensive coverage, collision coverage, and any additional benefits or features.
- Evaluate deductibles and premiums: Consider the deductibles and premiums associated with each insurance policy. A higher deductible may lower your premium, but you’ll have to pay more out-of-pocket in case of an accident.
- Assess customer reviews and ratings: Take into account the reputation of the insurance companies by reading customer reviews and checking their ratings on reputable websites.
- Choose the best option: Once you have gathered all the necessary information and compared the rates, coverage, deductibles, premiums, and reputation of various insurance providers, select the policy that best fits your needs and budget.
What factors affect Buick LaCrosse car insurance rates?
Several factors can influence the insurance rates for a Buick LaCrosse, including:
- Age and driving experience: Younger and less experienced drivers typically face higher insurance rates.
- Location: Insurance premiums can vary based on the location where the vehicle is primarily parked or driven.
- Vehicle specifications: Factors such as the make, model, year, and value of the Buick LaCrosse can impact insurance rates.
- Safety features: The presence of safety features in the car, such as anti-lock brakes, airbags, and security systems, can lead to lower insurance rates.
- Driving record: A history of accidents or traffic violations may increase insurance premiums.
- Credit history: In some cases, insurance companies consider credit history as a factor when determining rates.
- Insurance coverage and deductibles: The type and amount of coverage you choose, as well as the deductibles, can affect the overall cost of insurance.
Are Buick LaCrosse car insurance rates generally high or low?
Car insurance rates for Buick LaCrosse vehicles can vary depending on several factors, including those mentioned above. Generally, Buick LaCrosse insurance rates are considered to be in the average range compared to other vehicles in its class. However, it’s important to obtain insurance quotes from multiple providers to get an accurate estimate based on your specific circumstances.
Can I get an estimate of Buick LaCrosse car insurance rates before purchasing the vehicle?
Yes, you can often get an estimate of Buick LaCrosse car insurance rates even before purchasing the vehicle. Insurance companies consider factors such as the make, model, year, and other specifications of the car to provide estimates. You can reach out to insurance providers, provide them with the relevant details of the Buick LaCrosse you intend to purchase, and request a quote or estimate. Keep in mind that the actual insurance rates may vary once you finalize the purchase and provide the exact vehicle information to the insurance company.
Should I consider specific insurance coverage for my Buick LaCrosse?
The specific insurance coverage you should consider for your Buick LaCrosse depends on various factors, including your budget, driving habits, and personal preferences. However, it’s generally recommended to have at least the minimum required liability coverage mandated by your state. Additionally, comprehensive coverage and collision coverage are often worth considering for a Buick LaCrosse, as they can provide protection against damage or loss resulting from accidents, theft, vandalism, or natural disasters. It’s advisable to consult with insurance professionals or agents who can assess your needs and recommend suitable coverage options for your Buick LaCrosse.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.