Buick LaCrosse Car Insurance Cost for 2022

How much does Buick LaCrosse insurance cost? We compared car insurance rates from the base sedan up to the Avenir AWD model to see how prices compared to the rest of the midsize car segment.

Start QuoteCompare LaCrosse car insurance rates and save on your next policy.

  • Buick LaCrosse car insurance costs an average of $1,450 per year, or around $121 per month.
  • The LaCrosse Sedan base model has the cheapest insurance rate at an average of $1,316 per year.
  • At the high end, the LaCrosse Avenir AWD is the most expensive to insure at $1,532 for an annual policy.
  • The Buick LaCrosse is one of the more expensive midsize cars to insure, costing $10 more per year on average as compared to the rest of the vehicles in the segment.

How much does Buick LaCrosse car insurance cost?

Expect to pay an average of $1,450 annually to insure a Buick LaCrosse for full coverage, which is about $121 a month. Comprehensive insurance will cost around $344 a year, liability and medical (or PIP) coverage costs about $442, and the remaining collision insurance is around $664.

The chart below shows average car insurance rates on a 2019 LaCrosse using a range of different policy rating factors.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2019 model year Buick LaCrosse with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Buick LaCrosse trim levels.Data last updated on November 22, 2022
Buick LaCrosse Insurance Cost Summary
Buick LaCrosse Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,298$275
Safe Driver Age 20$2,886$241
At-fault Accidents Age 40$2,044$170
Low Deductibles Age 40$1,896$158
Safe Driver Age 30$1,528$127
Safe Driver Age 40$1,450$121
Safe Driver Age 50$1,320$110
Safe Driver Age 60$1,298$108
High Deductibles Age 40$1,222$102
Discount Rate Age 40$1,204$100

What model of LaCrosse is cheapest to insure?

With Buick LaCrosse car insurance rates ranging from $1,316 to $1,532 per year, the most affordable model to insure is the base Sedan model. The next cheapest model to insure is the Preferred Sedan at an average cost of $1,402 per year.

The priciest trim levels of Buick LaCrosse to insure are the Avenir AWD at $1,532 and the Premium AWD at $1,488 per year. Those two models will cost an extra $216 and $172 per year to insure, respectively, over the lowest-cost base Sedan model.

The table below displays average car insurance rates for the 2019 LaCrosse, plus a monthly budget figure, for each available model and trim level.

2019 Buick LaCrosse Insurance Cost by Trim Level
Buick LaCrosse Trim Level Annual Policy 6-month Policy Per Month
Sedan$1,316$658$110
Preferred Sedan$1,402$701$117
Essence Sedan$1,444$722$120
Premium Group Sedan$1,444$722$120
Sport Touring Sedan$1,444$722$120
Avenir Sedan$1,488$744$124
Essence AWD$1,488$744$124
Premium AWD$1,488$744$124
Avenir AWD$1,532$766$128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Buick LaCrosse, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 22, 2022
Buick LaCrosse Insurance Cost by Trim Level

How does Buick LaCrosse insurance cost rank?

The Buick LaCrosse ranks #9 out of 16 total comparison vehicles in the midsize car category. The LaCrosse costs an average of $1,450 per year to insure for full coverage and the class average cost is $1,440 per year, a difference of $10 per year.

When compared directly to popular midsize cars, car insurance rates for a Buick LaCrosse cost $48 more per year than the Toyota Camry, $4 less than the Honda Accord, $40 less than the Nissan Altima, and $56 less than the Tesla Model 3.

The chart below shows how average LaCrosse car insurance rates compare to the most popular midsize cars in the U.S. The table following the chart shows insurance cost comparisons and rankings for all 16 models in the midsize car category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2019 model year Buick LaCrosse, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Buick LaCrosse trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 22, 2022
Buick LaCrosse vs Top 10 Midsize Cars Insurance Cost Comparison
Buick LaCrosse Insurance Cost Compared to All Midsize Cars
Rank Make/Model Insurance Cost Difference
1Honda Insight$1,214-$236
2Buick Cascada$1,270-$180
3Buick Regal$1,362-$88
4Subaru Legacy$1,376-$74
5Kia Optima$1,394-$56
6Volkswagen Passat$1,398-$52
7Toyota Camry$1,402-$48
8Chevrolet Malibu$1,444-$6
9Buick LaCrosse$1,450--
10Honda Accord$1,454$4
11Nissan Altima$1,490$40
12Tesla Model 3$1,506$56
13Hyundai Sonata$1,506$56
14Ford Fusion$1,534$84
15Volkswagen Arteon$1,584$134
16Kia Stinger$1,660$210

Additional rates and insights

Some additional details about Buick LaCrosse insurance rates include:

  • Older drivers tend to pay cheaper insurance rates. The difference in Buick LaCrosse auto insurance rates between a 40-year-old driver ($1,450 per year) and a 20-year-old driver ($2,886 per year) is $1,436, or a savings of 49.8%.
  • Your occupation could save you money. The vast majority of car insurance providers offer discounts for being employed in occupations like accountants, college professors, emergency medical technicians, lawyers, scientists, and other occupations. If you work in a qualifying profession, you could potentially save between $44 and $146 on your annual LaCrosse insurance premiuim, depending on the age of the rated driver.
  • It’s expensive to buy high risk insurance. For a 20-year-old driver, having enough accidents and violations to require a high-risk insurance policy could trigger a rate increase of $2,252 or more per year.
  • Higher physical damage deductibles lower policy cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $228 per year for a 40-year-old driver and $446 per year for a 20-year-old driver.
  • Decreasing deductibles costs more money. Dropping your deductibles from $500 to $250 could cost an additional $240 per year for a 40-year-old driver and $472 per year for a 20-year-old driver.
  • Excellent credit equals excellent rates. A credit score over 800 could save as much as $228 per year versus a credit rating of 670-739. Conversely, a mediocre credit rating could cost up to $264 more per year.