Best Buick LaCrosse Insurance Rates [How to Find Low Rates Online]
Buick LaCrosse insurance rates cost $1,360 a year, or around $113 a month. On average, comprehensive coverage costs $331, collision coverage costs $484, and liability coverage costs $384 for Buick LaCrosse insurance.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 24, 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 $160 cheaper per year than the average vehicle. Full coverage rates are $1,360 per year or $113 per month. Continue reading to learn how you can save $561 per year on Buick LaCrosse insurance rates.
You can start comparing quotes for Buick LaCrosse auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Buick LaCrosse Insurance Cost
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 Hyundai Sonata Hybrid, Ford C-Max Hybrid, and Chevrolet Volt.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
| 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 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 impact on the cost of Buick LaCrosse auto insurance. For example, 20-year-old drivers pay as much as $1,723 more each year for their Buick LaCrosse auto 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 Los Angeles may pay $1,170 a year more than drivers in Indianapolis.
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 auto insurance rates with violations on their driving record.
Buick LaCrosse Safety Ratings
Your Buick LaCrosse auto insurance rates are tied to the safety ratings of the Buick LaCrosse. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | G |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| 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 auto 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
Having a variety of safety features on your Buick LaCrosse can help lower your insurance costs. According to AutoBlog, the 2020 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 probability varies between different coverage types. The lower percentage means lower Buick LaCrosse auto insurance costs; higher percentages mean higher Buick LaCrosse auto insurance costs.
| 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 rates from the best companies using our FREE tool below.
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Ways to Save on Buick LaCrosse Insurance
You can save more money on your Buick LaCrosse auto insurance rates by employing any of the following five strategies.
- Consider Using a Tracking Device on Your Buick LaCrosse
- Get Buick LaCrosse Auto Insurance Through Costco
- Start Searching for New Buick LaCrosse Auto Insurance a Month Before Your Renewal
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Move to an Area with Better Weather
Top Buick LaCrosse Insurance Companies
Several top auto insurance companies offer competitive rates for the Buick LaCrosse rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Buick LaCrosse drivers organized 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 | |||
Compare Free Buick LaCrosse Insurance Quotes Online
You can start comparing quotes for Buick LaCrosse auto insurance rates from some of the best auto insurance companies by using our free online tool now.