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Online Buick LaCrosse Insurance Rates [Comprehensive Guide]

Average Buick LaCrosse insurance rates cost $113 per month ($1,360 per year). 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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 2020

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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

Buick LaCrosse insurance rates are about $159 less yearly than the average vehicle with full coverage averaging $1,360 a year or $113 a month. Drivers of an older Buick LaCrosse may opt for liability coverage only which is around $545 a year or $45 a month.

Good drivers can save up to $561 a year in policy discounts for being a safe driver. Let’s look at Buick LaCrosse insurance rates, crash test ratings, and more.

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.

Buick LaCrosse Insurance Cost

The average car insurance costs for a Buick LaCrosse 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 Chevrolet Volt, Hyundai Sonata Hybrid, and Lexus GS 450h.

Vehicle Comprehensive Collision Liability Total
Buick LaCrosse $320 $566 $338 $1,360
Chevrolet Volt $370 $774 $398 $1,700
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Lexus GS 450h $394 $774 $398 $1,724
Toyota Prius $306 $512 $332 $1,286
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Ford C-Max Hybrid $282 $566 $398 $1,404

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 Buick LaCrosse insurance coverage.

Age of the Vehicle

The average Buick LaCrosse auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Buick LaCrosse cost $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

Driver Age

Driver age can have a significant effect on Buick LaCrosse car insurance rates. For example, 30-year-old drivers pay $60 more for Buick LaCrosse car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Buick LaCrosse insurance rates. For example, drivers in New York may pay $354 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on your Buick LaCrosse car insurance rates. Teens and drivers in their 20’s see the highest jump in their Buick LaCrosse car insurance with violations on their driving record.

Buick LaCrosse Safety Ratings

Your Buick LaCrosse car insurance rates are tied to 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 Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Buick LaCrosse 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

Buick LaCrosse Safety Features

The more safety features you have on your Buick LaCrosse, the more likely it is that you can earn a discount. The Buick LaCrosse’s safety features 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 Insurance Loss Probability

The lower percentage means lower Buick LaCrosse car insurance costs; higher percentages mean higher Buick LaCrosse car insurance costs. Compare the following Buick LaCrosse auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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

Buick LaCrosse Finance and Insurance Cost

If you are financing a Buick LaCrosse, you will pay more if you purchase Buick LaCrosse auto insurance at the dealership, so be sure to shop around and compare Buick LaCrosse auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Buick LaCrosse Insurance

If you want to reduce the cost of your Buick LaCrosse insurance rates, follow these tips below:

  • Wait Six Years for Accidents to Disappear from Your Record
  • Consider Buick LaCrosse Insurance Costs Before Buying a Buick LaCrosse
  • Take Advantage of Referral Fees
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Buick LaCrosse
  • Ask About Usage-Based Insurance for Your Buick LaCrosse

Top Buick LaCrosse Insurance Companies

Who is the top car 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). Many of these companies offer discounts for security systems and other safety features that the Buick LaCrosse offers.

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

Compare Free Buick LaCrosse Insurance Quotes Online

To start comparing Buick LaCrosse car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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