Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a used Buick LaCrosse? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Buick LaCrosse insurance facts

  • Average full coverage auto insurance premium: $127/month

  • Most affordable companies: Nationwide ($90/month) & Progressive ($97/month)

  • LaCrosse insurance cost vs. average rates: $29 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Buick LaCrosse by model year and auto insurer.

Free Auto Insurance Comparison

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

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Below average Buick LaCrosse insurer costs by state:

Risk factors affecting Buick LaCrosse coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Buick LaCrosse insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Buick models, you can get the following insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BUICK Automobile Brand

Buick is a division of the American auto manufacturer General Motors (GM) in the United States and sells to international markets, including Canada, China, and Mexico. The target market of BUICK is a “successful executive with a family.” All Buick automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Buick Encore, Envision, and LaCrosse are some of their most popular vehicles.

Higher than average LaCrosse repair costs equal higher insurance rates

Many older consumers are attracted to the Buick luxury, comfort, safety, and driver-assist technologies, like Buick’s Driver Confidence System. Automotive parts are relatively common as more popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Buick is a bit above average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Buicks are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for Buick LaCrosse affecting auto policies

Another factor to consider for Buick’s, is they depreciate rapidly (except for Buick Envision and Encore models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Buick models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Buicks are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies or Buick’s Driver Confidence Package, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Buick models. The Buick Encore and Envision are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Buick automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Buick automobile owners when buying an insurance policy.

2019 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2013
Allstate$1780
American Family$1526
Amica$2192
Country Financial$1890
Erie$1214
Farmers$1452
GEICO$1246
Kentucky Farm Bureau$1906
Liberty Mutual$1275
MAPFRE$2248
Mercury$1724
MetLife$2054
Nationwide$1090
Progressive$1158
Sentry$2271
Shelter$1538
State Farm$1329
Tennessee Farmers$1649
Texas Farm Bureau$1415
The Hanover$1957
Travelers$1836
USAA$1187

Compare all 2019 Buick LaCrosse rates

Average Cost to Insure Per Year

$1530

List Price

$29570

Trims Available

Base - Preferred - Essence - Premium - Avenir - Engine: 200 hp from a 3.8-liter displacement, Drivetrain: electric motor and six-speed automatic transmission with GM Electronic Precision Shift technology, and Driver Assist Technology - Buick Driver Confidence Package with Front Pedestrian Braking, Lane Change Alert with Side Blind Zone Alert, Forward Collision Alert, Lane Keep Assist with Lane Departure Warning, Rear Cross Traffic Alert – and Safety Features - Front Head Air Bag, 4-Wheel ABS, Electronic Stability Control

2018 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1388
Acuity$ 1388
Allied$ 1117
Allied$ 1117
Erie$ 930
Erie$ 930
GEICO$ 1406
GEICO$ 1406
Mercury$ 1377
Mercury$ 1377
Nationwide$ 1200
Nationwide$ 1200
Plymouth Rock Insurance$ 1156
Plymouth Rock Insurance$ 1156
Progressive$ 1148
Progressive$ 1148
State Farm$ 1236
State Farm$ 1236
Tennessee Farmers$ 1391
Tennessee Farmers$ 1391
USAA$ 1146
USAA$ 1146
Vermont Mutual$ 1404
Vermont Mutual$ 1404

Compare all 2018 Buick LaCrosse rates

Average Cost to Insure Per Year

$1524

List Price

$29565

Trims Available

Base - Preferred - Essence - Premium - Avenir - Engine: 200 hp from a 3.8-liter displacement, Drivetrain: electric motor and six-speed automatic transmission with GM Electronic Precision Shift technology, and Driver Assist Technology - Buick Driver Confidence Package with Front Pedestrian Braking, Lane Change Alert with Side Blind Zone Alert, Forward Collision Alert, Lane Keep Assist with Lane Departure Warning, Rear Cross Traffic Alert – and Safety Features - Front Head Air Bag, 4-Wheel ABS, Electronic Stability Control

2017 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1419
Acuity$ 1419
Allied$ 1160
Allied$ 1160
Country$ 1573
Country$ 1573
Erie$ 990
Erie$ 990
Mercury$ 1359
Mercury$ 1359
Nationwide$ 1321
Nationwide$ 1321
Plymouth Rock Insurance$ 1132
Plymouth Rock Insurance$ 1132
Progressive$ 1604
Progressive$ 1604
State Farm$ 1479
State Farm$ 1479
Tennessee Farmers$ 1097
Tennessee Farmers$ 1097
USAA$ 1215
USAA$ 1215
Vermont Mutual$ 1408
Vermont Mutual$ 1408

Compare all 2017 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 1684

List Price

$ 32065

Trims Available

Base - Preferred - Essence - Premium

2016 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1189
Acuity$ 1189
Allied$ 1196
Allied$ 1196
Arbella$ 1228
Arbella$ 1228
Country$ 1217
Country$ 1217
Erie$ 811
Erie$ 811
GEICO$ 887
GEICO$ 887
Nationwide$ 1196
Nationwide$ 1196
Plymouth Rock Insurance$ 1130
Plymouth Rock Insurance$ 1130
State Farm$ 1297
State Farm$ 1297
Tennessee Farmers$ 1062
Tennessee Farmers$ 1062
USAA$ 1095
USAA$ 1095
Vermont Mutual$ 1020
Vermont Mutual$ 1020

Compare all 2016 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 1339

List Price

$ 31065

Trims Available

Base - Sport Touring - Leather - Premium I - Premium II

2015 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1178
Acuity$ 1178
Allied$ 1200
Allied$ 1200
Country$ 1248
Country$ 1248
Erie$ 723
Erie$ 723
GEICO$ 819
GEICO$ 819
Nationwide$ 1183
Nationwide$ 1183
Plymouth Rock Insurance$ 1101
Plymouth Rock Insurance$ 1101
Progressive$ 1192
Progressive$ 1192
State Farm$ 1091
State Farm$ 1091
Tennessee Farmers$ 1050
Tennessee Farmers$ 1050
USAA$ 995
USAA$ 995
Vermont Mutual$ 1019
Vermont Mutual$ 1019

Compare all 2015 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 1215

List Price

$ 31065

Trims Available

Base - Leather - Premium I - Premium II

2014 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1123
Acuity$ 1123
Allied$ 1104
Allied$ 1104
Arbella$ 1195
Arbella$ 1195
Country$ 1211
Country$ 1211
Erie$ 714
Erie$ 714
GEICO$ 880
GEICO$ 880
Nationwide$ 1184
Nationwide$ 1184
Plymouth Rock Insurance$ 1075
Plymouth Rock Insurance$ 1075
State Farm$ 1210
State Farm$ 1210
Tennessee Farmers$ 1024
Tennessee Farmers$ 1024
USAA$ 1010
USAA$ 1010
Vermont Mutual$ 972
Vermont Mutual$ 972

Compare all 2014 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 1258

List Price

$ 33535

Trims Available

Base - Leather - Premium I - Premium II

2013 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1059
Acuity$ 1059
Allied$ 1033
Allied$ 1033
American Family$ 1095
American Family$ 1095
Erie$ 602
Erie$ 602
GEICO$ 579
GEICO$ 579
Nationwide$ 1043
Nationwide$ 1043
Plymouth Rock Insurance$ 1030
Plymouth Rock Insurance$ 1030
Progressive$ 931
Progressive$ 931
State Farm$ 794
State Farm$ 794
Tennessee Farmers$ 965
Tennessee Farmers$ 965
USAA$ 764
USAA$ 764
Vermont Mutual$ 916
Vermont Mutual$ 916

Compare all 2013 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 969

List Price

$ 31660

Trims Available

Base - Leather - Premium 1 - Premium 2 - Touring

2012 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 981
Acuity$ 981
Allstate$ 1023
Allstate$ 1023
American Family$ 952
American Family$ 952
Erie$ 574
Erie$ 574
GEICO$ 531
GEICO$ 531
Nationwide$ 1030
Nationwide$ 1030
Plymouth Rock Insurance$ 1001
Plymouth Rock Insurance$ 1001
Progressive$ 771
Progressive$ 771
State Farm$ 708
State Farm$ 708
Tennessee Farmers$ 911
Tennessee Farmers$ 911
USAA$ 686
USAA$ 686
Vermont Mutual$ 840
Vermont Mutual$ 840

Compare all 2012 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 864

List Price

$ 30170

Trims Available

Base - Convenience - Leather - Premium 1 - Premium 2 - Premium 3 - Touring

2011 Buick LaCrosse

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 956
American Family$ 956
Arbella$ 911
Arbella$ 911
Country$ 1006
Country$ 1006
Erie$ 566
Erie$ 566
GEICO$ 535
GEICO$ 535
Nationwide$ 1038
Nationwide$ 1038
Plymouth Rock Insurance$ 971
Plymouth Rock Insurance$ 971
Progressive$ 850
Progressive$ 850
State Farm$ 859
State Farm$ 859
Tennessee Farmers$ 866
Tennessee Farmers$ 866
USAA$ 745
USAA$ 745
Vermont Mutual$ 724
Vermont Mutual$ 724

Compare all 2011 Buick LaCrosse rates

Average Cost to Insure Per Year

$ 935

List Price

$ 27130

Trims Available

CX - CXL - CXS