The Buick LaCrosse is a higher-end full-sized luxury sedan with a price tag that can drive car insurance rates even higher. What may help Buick LaCrosse insurance buyers, though, is its excellent safety ratings. Also, car insurance premiums for this vehicle tend to be affordable when compared to the national average.
An independent insurance agent can help you get equipped with the right car insurance policy for your Buick LaCrosse. They'll get you matched to the policy that provides the best blend of coverage and cost for you. For starters, though, here's a breakdown of the cost to insure a Buick LaCrosse in 2026.
Key Takeaways - Buick LaCrosse Car Insurance
Buick LaCrosse insurance costs an average $1,788 per year, or approximately $149 per month, for full coverage.
Minimum coverage for a Buick LaCrosse costs an average of $948 per year, or approximately $79 per month.
The most expensive state to insure a Buick LaCrosse is New York, with an average monthly cost of $140, while Illinois is the least expensive, with an average monthly cost of $43 for minimum coverage.
Newer Buick LaCrosse models are often the most expensive to insure, due to the vehicles' higher replacement price compared to others if they are stolen or totaled.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Buick LaCrosse model.
What Is Buick LaCrosse Insurance?
Buick LaCrosse insurance enhances a standard car insurance policy by including several types of coverage tailored to your LaCrosse vehicle. Since the LaCrosse is a luxury sedan, it requires more protection than an everyday vehicle. However, insurance rates for a Buick LaCrosse still tend to be fairly affordable, even though it's a luxury model.
Recommended coverage options for Buick LaCrosse drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Buick LaCrosse:
- Buick warranty insurance: This can extend Buick's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Buick vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Buick parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
You'll most likely be required to have certain types of car insurance by law in your state. A local independent insurance agent can help you build a complete Buick LaCrosse insurance policy that satisfies your state's regulations.
How Much Does Buick LaCrosse Insurance Cost?
The average cost of full coverage Buick LaCrosse insurance is $1,788 per year, or approximately $149 per month. Minimum coverage for a Buick LaCrosse costs an average of $948 per year, or approximately $79 per month. However, several factors can influence the cost of Buick insurance, including:
- The specific type of LaCrosse you drive
- Your claims history
- Your driving history
- Your credit score (where allowed)
- Your location
- The types and amount of coverage you need
Working with an independent insurance agent is a great way to compare the best Buick LaCrosse insurance quotes near you to find the most affordable coverage.
Buick LaCrosse Insurance Costs by State
Buick insurance costs can vary considerably by location. Minimum coverage for a Buick LaCrosse can range from $43 per month in Illinois to $140 per month in New York. Compare rates for liability coverage for a Buick LaCrosse in the 10 largest states by population using the table below.
Average Buick LaCrosse insurance costs by state
| State | Average Monthly Cost of Minimum Coverage |
| California | $52 |
| Florida | $101 |
| Georgia | $110 |
| Illinois | $43 |
| New York | $140 |
| North Carolina | $44 |
| Ohio | $56 |
| Pennsylvania | $78 |
| Texas | $64 |
| Virginia | $50 |
Buick LaCrosse Insurance Rates Comparison by Model Year
Often, newer Buick LaCrosse vehicles cost more to insure than older models, due to the higher cost to an insurance company to replace them after a theft or total loss. Here's a breakdown of the average cost to insure an older Buick LaCrosse in 2026 by model year.
| Model Year | Average Annual Cost of Full Coverage Insurance |
| 2019 | $2,245 |
| 2018 | $1,964 |
| 2017 | $1,987 |
| 2016 | $1,852 |
| 2015 | $1,847 |
| 2014 | $1,824 |
| 2013 | $1,742 |
| 2012 | $1,623 |
| 2011 | $1,555 |
Buick LaCrosse Insurance Costs by Insurance Company
You can find quality coverage from an insurance company that still offers affordable premium rates. Currently, USAA and American Family offer the lowest car insurance rates for a 2019 Buick LaCrosse. Here are some of our top recommendations for the cheapest car insurance companies that offer great coverage in 2026.
| Car Insurance Company | Average Annual Cost of Full Coverage |
| USAA | $1,734 |
| American Family | $1,751 |
| Progressive | $1,762 |
| Erie | $1,960 |
| Nationwide | $2,201 |
| Allstate | $3,170 |
Best Buick LaCrosse Insurance Discounts: How to Lower Your Buick LaCrosse Insurance Premiums
Many car insurance companies offer several discounts you can take advantage of to reduce your premium rates. You can also follow these simple tips to potentially save money on your Buick LaCrosse insurance.
- Ask about Buick LaCrosse insurance discounts: Many car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Buick LaCrosse insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Buick may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Steer clear of accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Buick LaCrosse insurance from a trusted carrier near you.
Your independent insurance agent can help you find affordable, quality Buick LaCrosse insurance near you and even recommend more ways to lower your car insurance premiums.
An Independent Insurance Agent Can Help You Get the Best Buick LaCrosse Insurance Quotes
Working together with a local independent insurance agent is a great way to save the most money possible on car insurance for your Buick LaCrosse. These agents shop and compare quotes from many different local car insurance carriers for you, then present you with only the results that offer the best blend of coverage and cost. Not only that, but down the line, they're available to help you file car insurance claims and update your coverage, too.
FAQs About Buick LaCrosse Insurance
How much does Buick LaCrosse insurance cost?
The average cost of Buick LaCrosse insurance is $1,788 per year, or approximately $149 per month, for full coverage. Your policy's costs may vary based on the specific type of LaCrosse you drive and other factors.
What factors affect insurance rates for a Buick LaCrosse?
Many factors can influence the cost of Buick LaCrosse insurance, such as your location, vehicle model year, age, driving history, claims history, and more.
Are Buicks expensive to insure?
Not particularly. Buicks can be more affordable to insure than other brands that offer luxury vehicles, and rates for the LaCrosse tend to be cheaper than the national average.
What are the best carriers for Buick LaCrosse insurance?
We found that USAA and American Family are the best and cheapest car insurance companies for Buick LaCrosse in 2026.
Other Buick Models
Sources
https://www.thezebra.com/auto-insurance/vehicles/buick/lacrosse/
https://www.compare.com/auto-insurance/vehicles/buick/lacrosse