Buick Lacrosse Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Buick Lacrosse is cheaper to insure than the average car.
• Full coverage insurance for a Lacrosse averages about $149 per month, on average, while liability only insurance usually tends to be around $79 a month.
• Hugo provides the most affordable average premiums for a Lacrosse with liability only coverage offered for as little as just $26 per month.

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Lacrosse Overview

With 2019 models starting at $29,570, the Buick Lacrosse is a great budget-friendly option for any driver. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when you consider your future car insurance premiums.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Buick Lacrosse car insurance prices run about $158 monthly, on average. How do insurance rates for the Lacrosse stack up against other similar cars?

How Much is Car Insurance for a Buick Lacrosse?

You can see in the table above that Buick Lacrosse insurance prices are below average. Lacrosse owners can expect to pay around $79 a month for liability insurance, and about $149 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other models, the Lacrosse is on par with the other vehicles in Buick's lineup. However, compared to other vehicles of a similar body style, Lacrosse coverage is below average, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

Overall, they're just more affordable to insure than the average vehicle, regardless of model, make, or body style.

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Who has the Cheapest Car Insurance for a Buick Lacrosse?

If you're browsing for a car insurance policy for a Buick Lacrosse, you might be wondering which company offers the lowest prices. Even though there will never be one carrier that offers the cheapest rates for everyone, Hugo provides the lowest average rates for liability only coverage, with rates sometimes as low as $26 per month. With car insurance as cheap as just $32 a month, Fiesta is the next most affordable auto insurance company.

Finishing off the rest of the top 5 are MetLife, Arrowhead, and MetroMile. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a range of different things into consideration when calculating monthly premiums. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from multiple insurance carriers.

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What Factors Affect Car Insurance Rates for a Buick Lacrosse?

There are an array of variables that car insurance companies take into account to calculate how much they charge you for auto insurance -- and each carrier uses a different formula, so there's not a single company that's the cheapest for every Lacrosse driver.

Keep reading to learn which factors insurance carriers look at and how they affect your final rate:

Vehicle Age

The Buick Lacrosse has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Lacrosses begin to depreciate, insurance costs will gradually get lower.

Based on the information in the table above, the Buick Lacrosse bucks the trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Lacrosses are 11 to 14 years old.

Your Age

Your age is another factor that makes a significant difference in how much you pay for auto insurance. As you can see above, drivers under 18 pay more expensive premiums compared to drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group for Lacrosse drivers being 55-64.

Your Gender

Did you know women normally pay less for insurance than men? This is because men are more likely to get into accidents and get tickets, which raises the chances of an insurance claim. When it comes to Lacrosse drivers specifically, men pay around $4 more than women monthly for auto insurance.

Where You Live

It may seem like common sense that variables such as how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live has just as much of an impact? Because auto insurance is regulated on the state level and not nationally, rates can change quite a bit from state to state.

For example, the average Buick Lacrosse owner in New York pays about $140 per month for liability coverage, while on average, the same driver from California will pay less than half of that price. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Buick Lacrosse Car Insurance Discounts

Whatever your home state, your car, or your age, using as many discounts as possible when it comes to your car insurance policy is always a smart move.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

There are countless ways to save money on your auto insurance if you know where to look. Often, it's actually your driving history and insurance profile that get you the lowest rates.

While you can't control every variable car insurance companies look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the things you can use to your advantage when it comes to saving cash:

Your Driving Record

You've almost certainly heard ads from insurance carriers promoting large savings for safe drivers. It should be no surprise that if you get tickets or get into a collision, auto insurance prices will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Based on the table above, accidents will usually cost Lacrosse drivers less than tickets, but both will result in higher than average rates. Buick Lacrosse drivers with a single accident on their record pay an average of $92 each month (up $13 from the $79/mo. overall average), while drivers with one ticket will pay about $106 a month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that plays a role in your car insurance premiums is the total distance you drive annually. Those who drive less are more likely to go accident-free, so they'll generally get lower rates. In the table above, you can see that Buick Lacrosse owners who drive 10,000 miles or more pay $81 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $76 monthly.

But if you happen to be one of those drivers who put very few miles on your Buick Lacrosse each year, it may be worth getting usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Buick Lacrosses Compare to Other Vehicles?

If you're thinking about buying a Buick Lacrosse, you might want to know how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering.

Visit the table below to see how the Buick Lacrosse stacks up:

As you can see, a Buick Lacrosse is a great value when it comes to overall price tag. While the average vehicle MSRP in the U.S. is $46,074, the Lacrosse goes for just $29,570.

Likewise, auto insurance prices run below average when compared to the rest of the vehicle market. Liability insurance for a Buick Lacrosse is around $15 per month less than average, while full coverage is over $50 cheaper a month.

When it comes to usage, Buick Lacrosse drivers are pretty close to the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Lacrosse's 12,088 every year.

Buick Lacrosse Car Insurance Costs by Model Year

You've seen how different factors can have an impact on what you'll pay for insurance. But if you're considering buying a new vehicle and the Lacrosse is one you're thinking about, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

Choose Your Model

2019 Buick Lacrosse Car Insurance 2018 Buick Lacrosse Car Insurance 2017 Buick Lacrosse Car Insurance 2016 Buick Lacrosse Car Insurance 2015 Buick Lacrosse Car Insurance 2014 Buick Lacrosse Car Insurance 2013 Buick Lacrosse Car Insurance 2012 Buick Lacrosse Car Insurance 2011 Buick Lacrosse Car Insurance 2010 Buick Lacrosse Car Insurance 2009 Buick Lacrosse Car Insurance 2008 Buick Lacrosse Car Insurance 2007 Buick Lacrosse Car Insurance

2019 Buick Lacrosse Car Insurance

On average, drivers who own a 2019 Buick Lacrosse can expect to pay $66 to $116 per month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Safeco offered liability only coverage for as little as $46 a month.

Want to know just how much you'll pay? Get a variety of customized quotes for free by just entering your ZIP code below.

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2018 Buick Lacrosse Car Insurance

You can expect full coverage for a 2018 Lacrosse to run about $271 per month, while liability only coverage will average around $131 monthly.

We found Clearcover offered the cheapest policy, with rates as low as just $25 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2018 Buick Lacrosse, you can get free quotes in minutes by just entering your ZIP code below.

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2017 Buick Lacrosse Car Insurance

The average cost to insure a 2017 Buick Lacrosse with liability only coverage is $66 per month, while full coverage runs about $181 monthly.

With premiums sometimes as little as $20 a month, MetroMile offered the most affordable policy we found for the 2017 Buick Lacrosse.

If you want to find the best rates for car insurance for a 2017 Buick Lacrosse, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Buick Lacrosse Car Insurance

It costs around $68 per month for liability or $176 for a full coverage policy for the 2016 Lacrosse.

With premiums sometimes as cheap as $22 monthly, MetLife offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Buick Lacrosse Car Insurance

2015 Buick Lacrosse drivers can expect to pay an average of $79 per month for liability or $169 for full coverage.

If you're looking for the most affordable 2015 Buick Lacrosse insurance policy, Safeco offered the cheapest policy we found, with rates as cheap as $20 a month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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2014 Buick Lacrosse Car Insurance

You can expect full coverage for a 2014 Lacrosse to run about $159 monthly, while liability only coverage will average around $88 per month.

Gainsco offered the most affordable policy we found, with rates as low as $28 a month.

If you want to know exactly how much you can expect to pay for your Lacrosse, just enter your ZIP code below and get free quotes in minutes.

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2013 Buick Lacrosse Car Insurance

The average cost to insure a 2013 Buick Lacrosse with liability only coverage is $89 monthly, while full coverage runs about $166 per month.

Safeco has prices as little as just $21 monthly for the 2013 Buick Lacrosse.

Want to find the best rates? Get several free customized quotes by just entering your ZIP code below.

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2012 Buick Lacrosse Car Insurance

It costs around $78 a month for liability or $140 for a full coverage policy for the 2012 Lacrosse.

We found Shelter Mutual offered the lowest policy, with rates as low as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2011 Buick Lacrosse Car Insurance

2011 Buick Lacrosse drivers can expect to pay an average of $84 per month for liability or $146 for full coverage.

If you're looking for the cheapest possible 2011 Buick Lacrosse insurance policy, ACG offered the cheapest policy we found, with rates as cheap as just $19 a month.

If you want to know exactly how much you can expect to pay for your Lacrosse, just enter your ZIP code below and get several free quotes in minutes.

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2010 Buick Lacrosse Car Insurance

On average, drivers who own a 2010 Lacrosse can expect to pay $92 to $148 per month for liability only and full coverage insurance, respectively.

Commonwealth Casualty has rates sometimes as cheap as $17 monthly for the 2010 Buick Lacrosse.

While these are good estimates of what the average driver might pay to insure a 2010 Buick Lacrosse, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2009 Buick Lacrosse Car Insurance

2009 Buick Lacrosse drivers can expect to pay an average of $70 a month for liability or $137 for full coverage.

MetLife offered the most affordable policy we found, with rates as cheap as $19 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get multiple personalized quotes for free.

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2008 Buick Lacrosse Car Insurance

On average, drivers who own a 2008 Lacrosse can expect to pay $78 to $130 per month for liability only and full coverage auto insurance, respectively.

With prices sometimes as little as $19 a month, StateAuto offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Lacrosse, get free quotes in minutes by just entering your ZIP code below.

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2007 Buick Lacrosse Car Insurance

The average cost to insure a 2007 Buick Lacrosse with liability only coverage is $78 monthly, while full coverage runs about $144 per month.

With rates as little as $19 a month, Mercury offered the lowest policy we found for the 2007 Buick Lacrosse.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Buick Lacrosse Insurance FAQs

Is a Buick Lacrosse expensive to insure?

The Buick Lacrosse is less expensive to insure compared to the average car. Liability insurance runs an average of $79 monthly, while full coverage will cost you around $149.

How can I get the best price on car insurance for my Buick Lacrosse?

There's only one way to guarantee you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Buick Lacrosse affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually a myth. Although there are many variables insurance carriers examine when they offer premiums, your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy a Buick Lacrosse?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Lacrosse off the dealership lot. As part of the buying process, some dealerships may offer you a car insurance policy, but the easiest thing to do is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Buick Lacrosse?

There are a multitude of different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Lacrosse has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, get in touch with your insurance carrier and ask about their discounts, since they vary quite a bit from carrier to carrier.