Buy Cheap Buick LaCrosse Auto Insurance in 2024
Average Buick LaCrosse insurance rates cost $113 per month ($1,360 per year). Mature drivers with good driving records may find rates as low as $799 a year.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Jul 15, 2021
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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
Are you having trouble finding cheap Buick LaCrosse insurance rates? Good drivers can save as much as $561 a year by earning policy discounts. Learn more about how to save on Buick LaCrosse insurance rates in our comprehensive guide.
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 Buick LaCrosse car insurance rates 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 Lexus GS 450h, Ford Fusion Energi, and Ford C-Max Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
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
Older Buick LaCrosse models generally cost less to insure. For example, auto insurance for a 2018 Buick LaCrosse costs $1,360, while 2010 Buick LaCrosse insurance costs 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 Phoenix may pay $748 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Buick LaCrosse auto insurance. 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
Poor Buick LaCrosse crash test ratings could mean higher Buick LaCrosse car insurance rates.
| 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 Buick LaCrosse safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Buick LaCrosse auto insurance rates. 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 Buick LaCrosse’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Buick LaCrosse, others are more favorable and lead to lower insurance rates.
| 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.
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Ways to Save on Buick LaCrosse Insurance
There are many ways that you can save on Buick LaCrosse car insurance. Below are five actions you can take to find cheap Buick LaCrosse auto insurance rates.
- Consider Using a Tracking Device on Your Buick LaCrosse
- Buy Winter Tires for Your Buick LaCrosse
- Save Money on Young Driver Buick LaCrosse Insurance By Mentioning Grades or GPA
- Use an Accurate Job Title When Requesting Buick LaCrosse Auto Insurance
- Bundle Your Buick LaCrosse Auto Insurance with Home Insurance
Top Buick LaCrosse Insurance Companies
Who is the best 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). 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 | |||
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