How Much is Insurance on a Buick LaCrosse?

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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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
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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
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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
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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
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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.

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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 – 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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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.

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!

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