Car Insurance Cost for a Buick LaCrosse

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Here's what you need to know...

  • Safety features such as anti-theft systems and child safety locks can help lower insurance rates by helping you qualify for discounts
  • Buick LaCrosses have high safety ratings in simulated crash tests done by the Insurance Institute for Highway Safety which also helps lower rates
  • There are factors out of your control such as your age or neighborhood crime rate that affect your insurance premiums

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.

Start by entering your zip code and get online car insurance quotes now!

Safety Features included in a Buick LaCrosse


Most car insurance companies offer discounts for having safety devices in your vehicle. The Buick LaCrosse comes with many of these 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 – airbags 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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The Impact of Safety Ratings for the Buick LaCrosse on Insurance Premiums

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.

Factors that Impact 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.

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!

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