Best Buick LaCrosse Car Insurance in 2025 (Compare the Top 10 Companies)

State Farm stands out as the top choice due to its exceptional value and reliability. Discover how these providers meet various needs and compare quotes to find the best deal for your Buick LaCrosse.

Our Top 10 Company Picks: Best Buick LaCrosse Car Insurance

Explore insights of this article to learn all about how Buick LaCrosse rates are determined so you can consider yourself informed and ready to compare quotes like an expert, not to mention feel safe while you drive around. See more details in our guide titled, “Cheap Car Insurance.”

You can start comparing quotes for Buick LaCrosse car insurance rates from some of the best car insurance companies by using our free online tool now.

#1 – State Farm: Top Overall Pick

Pros

• Many Discounts: State Farm offers numerous discounts, making it an attractive option for Buick LaCrosse owners looking to save on insurance.
• Low Monthly Rates: State Farm offers competitive monthly rates at $56 for the Buick LaCrosse with minimum coverage. Unlock details in our State Farm car insurance review.
• Bundling Policies: State Farm auto insurance provides significant discounts for bundling multiple insurance policies, enhancing savings for Buick LaCrosse owners.

Cons

• Limited Multi-Policy Discount: The multi-policy discount from State Farm is not as high compared to some competitors for the Buick LaCrosse.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels, potentially affecting Buick LaCrosse owners.

#2 – Allstate: Best for Add-on Coverages

Pros

• Add-on Coverages: Allstate offers a variety of add-on coverage options tailored for Buick LaCrosse owners. Discover more about offerings in our guide, Allstate car insurance review.
• Multi-Vehicle Discount: Allstate provides a 15% discount for insuring multiple vehicles, including the Buick LaCrosse.
• Strong Financial Stability: With an A+ rating from A.M. Best, Allstate is a reliable choice for Buick LaCrosse insurance.

Cons

• Higher Base Rates: Allstate’s base rates for the Buick LaCrosse might be higher compared to some other insurers.
• Limited Availability of Discounts: Some discounts available from other insurers might not be offered by Allstate for Buick LaCrosse policies.

#3 – AAA: Best for Online App

Pros

• Online App: AAA’s online app makes managing Buick LaCrosse insurance policies convenient and easy. Discover insights in our guide titled, “AAA Car Insurance Review.”
• Multi-Vehicle Discount: AAA offers a 12% discount for multiple vehicles, benefiting Buick LaCrosse owners.
• Reputable Service: AAA holds an A rating from A.M. Best, ensuring reliability for Buick LaCrosse insurance.

Cons

• Membership Requirement: AAA requires a membership which might be an added cost for Buick LaCrosse owners.
• Higher Premiums for Young Drivers: Buick LaCrosse owners who are young drivers might face higher premiums with AAA.

#4 – USAA: Best for Military Savings

Pros

• Military Savings: USAA offers significant savings for military personnel insuring their Buick LaCrosse. Unlock details in our article titled, “USAA Car Insurance Review.”
• Top Financial Ratings: USAA holds an A++ rating from A.M. Best, providing strong financial security for Buick LaCrosse insurance.
• Competitive Rates: USAA offers competitive monthly rates at $45 for the Buick LaCrosse with minimum coverage.

Cons

• Eligibility Restrictions: USAA is only available to military members and their families, limiting access for some Buick LaCrosse owners.
• Fewer Local Agents: USAA has fewer local agents compared to some competitors, which might be a disadvantage for Buick LaCrosse owners seeking in-person service.

#5 – Geico: Best for Custom Plan

Pros

• Custom Plan: Geico allows Buick LaCrosse owners to customize their insurance plans to fit their needs. Unlock details in our guide titled, “Geico Car Insurance Review.”
• Low Monthly Rates: Geico offers competitive monthly rates at $79 for the Buick LaCrosse with minimum coverage.
• Strong Financial Ratings: Geico holds an A++ rating from A.M. Best, ensuring financial reliability for Buick LaCrosse insurance.

Cons

• Limited Local Presence: Geico’s limited local agent presence might be inconvenient for some Buick LaCrosse owners.
• Online Focus: Buick LaCrosse owners preferring in-person service might find Geico’s online-focused approach less appealing.

#6 – Farmers: Best for Local Agents

Pros

• Local Agents: Farmers provides a strong network of local agents for personalized Buick LaCrosse insurance service. Read up on Farmers car insurance review for more information.
• Multi-Vehicle Discount: Farmers offers an 11% discount for insuring multiple vehicles, including the Buick LaCrosse.
• Comprehensive Coverage Options: Farmers excels in offering comprehensive coverage options for the Buick LaCrosse.

Cons

• Higher Premiums: Farmers’ premiums for the Buick LaCrosse might be higher compared to some other insurers.
• Fewer Online Tools: Farmers offers fewer online tools for policy management, which might be less convenient for tech-savvy Buick LaCrosse owners.

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable insurance policies for Buick LaCrosse owners. Read up on the Liberty Mutual car insurance review for more information.
• Multi-Vehicle Discount: Liberty Mutual provides a 7% discount for insuring multiple vehicles, benefiting Buick LaCrosse owners.
• Solid Financial Ratings: Liberty Mutual holds an A rating from A.M. Best, ensuring reliability for Buick LaCrosse insurance.

Cons

• Higher Rates for Comprehensive Coverage: Liberty Mutual’s comprehensive coverage rates for the Buick LaCrosse might be higher compared to other insurers.
• Limited Discounts: Some discounts available from other insurers might not be offered by Liberty Mutual for Buick LaCrosse policies.

#8 – Progressive: Best for Online Convenience

Pros

• Online Convenience: Progressive offers easy online tools for managing Buick LaCrosse insurance policies. Delve into our evaluation of Progressive car insurance review.
• Multi-Vehicle Discount: Progressive provides a 14% discount for insuring multiple vehicles, including the Buick LaCrosse.
• Competitive Rates: Progressive offers competitive monthly rates at $107 for the Buick LaCrosse with minimum coverage.

Cons

• Customer Service: Some Buick LaCrosse owners might find Progressive’s customer service less satisfactory compared to competitors.
• Higher Rates for Young Drivers: Buick LaCrosse owners who are young drivers might face higher premiums with Progressive.

#9 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers offers accident forgiveness policies that can benefit Buick LaCrosse owners.
• Multi-Vehicle Discount: Travelers car insurance review provides a 9% discount for insuring multiple vehicles, benefiting Buick LaCrosse owners.
• Strong Financial Ratings: Travelers holds an A++ rating from A.M. Best, ensuring reliability for Buick LaCrosse insurance.

Cons

• Higher Premiums for Comprehensive Coverage: Travelers’ comprehensive coverage rates for the Buick LaCrosse might be higher compared to other insurers.
• Limited Local Agents: Travelers has fewer local agents compared to some competitors, which might be a disadvantage for Buick LaCrosse owners seeking in-person service.

#10 – Nationwide: Best for Usage Discount

Pros

• Usage Discount: Nationwide offers significant discounts based on vehicle usage, benefiting Buick LaCrosse owners. More information is available about this provider in our Nationwide car insurance discounts.
• Multi-Vehicle Discount: Nationwide provides a 13% discount for insuring multiple vehicles, including the Buick LaCrosse.
• Comprehensive Coverage Options: Nationwide excels in offering comprehensive coverage options for the Buick LaCrosse.

Cons

• Higher Premiums for High-Risk Drivers: Nationwide’s premiums for high-risk Buick LaCrosse drivers might be higher compared to other insurers.
• Limited Online Tools: Nationwide offers fewer online tools for policy management, which might be less convenient for tech-savvy Buick LaCrosse owners.

Cost of Coverage for a Buick LaCrosse

Buick LaCrosse Car Insurance Monthly Rates by Coverage Level & Provider

For full coverage car insurance, rates vary from $142 with USAA to $339 with Progressive. State Farm and USAA offer some of the most affordable rates, while Progressive tends to be on the higher end for both coverage levels.

The Expense of Insuring a Buick LaCrosse

The expense of insuring a Buick LaCrosse is relatively moderate compared to other hybrid and electric vehicles. For comprehensive coverage, the Buick LaCrosse costs $27 monthly, which is on par with the Ford Fusion Hybrid but slightly less than the Honda Accord Hybrid. Collision coverage for the Buick LaCrosse is $47, identical to the Ford C-Max Hybrid and less than the Honda Accord Hybrid and Lexus GS 450h.

Buick LaCrosse Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

Minimum coverage for the Buick LaCrosse is $28, comparable to the Toyota Prius, but more affordable than the Ford Fusion Hybrid. Full coverage for the Buick LaCrosse is $113, placing it mid-range among its peers. See more details in our guide titled, “Compare Collision Car Insurance: Rates, Discounts, & Requirements.”

To secure the cheapest Buick insurance rates online, it’s advisable to compare quotes, consider bundling policies, and explore discounts for safe driving and low mileage.

Factors Impacting the Cost of Buick LaCrosse Insurance

The Buick LaCrosse trim and model you choose can impact the total price you will pay for coverage. It may seem strange that trim would be looked at, but a company is going to look at what makes a car expensive to cover. If you have premium trim, a higher powered engine, and sometimes even more expensive wheels, your car is going to cost more to repair.

It’s the same with any luxury improvements made to a car, or if they come with such features. A car that costs more on the automotive market will need higher levels of coverage in order for you not to pay anything out of pocket in terms of damage. Read up on our guide “Factors That Affect Car Insurance Rates.”

The Influence of Car Age on Buick LaCrosse Insurance Rates

The age of a Buick LaCrosse significantly influences its insurance rates, with older models generally being cheaper to insure. This trend is consistent across various coverage categories, where comprehensive and collision coverage rates decrease as the car ages. More information is available in our guide titled, “How do you get competitive quotes for car insurance?“

Buick LaCrosse Car Insurance Monthly Rates by Category

For example, comprehensive coverage for a 2024 model is $32 per month, compared to $24 for a 2015 model. Similarly, full coverage for a 2024 model is $118 per month, while it’s $109 for a 2015 model, highlighting the cost-saving benefits of insuring older vehicles.

Safety Ratings for Buick LaCrosse Insurance

The safety ratings of the Buick LaCrosse significantly influence its insurance rates. High safety ratings, such as “Good” in several crash tests (including small overlap front for the driver-side, moderate overlap front, side, roof strength, and head restraints and seats), can lead to reduced insurance premiums.

Buick LaCrosse Crash Test Ratings

Enhanced safety features like multiple air bags, 4-wheel ABS, electronic stability control, and traction control further contribute to the vehicle’s overall safety, making it less risky to insure. Consequently, these factors can result in savings on your car insurance rates for the Buick LaCrosse.

Crash Test Ratings for Buick LaCrosse Insurance

Buick LaCrosse Crash Test Ratings

Insurers often offer better rates for cars that demonstrate excellent safety performance, as they are less likely to incur significant damage and injuries in accidents. This high level of safety reduces the risk for insurers, which can translate into cost savings for Buick LaCrosse owners when it comes to their car insurance premiums.

The Loss Probability of a Buick LaCrosse

The insurance loss probability for a Buick LaCrosse varies across different coverage types, influencing the overall cost of insurance premiums. For collision coverage, the loss rate is -4%, indicating a slightly lower risk and thus potentially lower insurance costs in this category. Property damage coverage has a loss rate of -15%, suggesting significantly lower insurance costs due to reduced risk.

Buick LaCrosse Car Insurance Loss Probability

Comprehensive coverage also shows a favorable loss rate of -7%. Personal injury protection has a neutral loss rate of 0%, implying average risk. In contrast, medical payment coverage has a higher loss rate of 9%, leading to increased insurance costs in this area. Browse on our guide “Understanding Car Accidents”

Bodily injury coverage has a loss rate of -8%, again indicating lower insurance costs. Lower percentages reflect lower insurance costs due to reduced risk, while higher percentages denote higher costs due to increased risk.

Ways to Save Money on Buick LaCrosse Insurance

Additionally, removing young drivers from your policy when they move out or go to school can reduce costs. Lastly, avoid filing claims for minor incidents to prevent increases in your rates. Consult with your insurance agent to explore available discounts and additional savings opportunities.

Top Insurance Companies for Buick LaCrosse

Who is the best car insurance companies for Buick LaCrosse insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Buick LaCrosse auto insurance coverage (ordered by market share).

Top Buick LaCrosse Car Insurance Providers by Market Share

Many of these companies offer discounts for security systems and other safety features that the Buick LaCrosse offers.

Compare Free Buick LaCrosse Insurance Quotes Online

Start comparing Buick LaCrosse auto insurance quotes for free by using our free online comparison tool. The automotive industry understands that it’s a competitive world, so you’ll be able to find prices that you can afford, which may leave you room to upgrade your ride, maybe with heated seats or by getting an engine tune-up.

You bought a Buick LaCrosse and you’re excited to drive this new, sleek car and try out the features, like the smart key and OnStar Navigator. Look for a company that will provide you excellent service and won’t just attempt to overcharge you.

Additional Safety Features of the Buick LaCrosse

Most car insurance companies offer discounts for having safety devices in your vehicle. The Buick LaCrosse comes with many of these assistive features which will help you lower your car insurance rates. Key features include OnStar Automatic Crash Response for emergency assistance, Ultrasonic Rear Parking Assist for alerts on nearby objects, and a Heads Up Display projecting essential information onto your windshield.

Additional safety features include Side Blind Zone Alert, Stabilitrak for maintaining control in challenging conditions, a Tire Pressure Monitor, advanced air bags that adjust deployment force, and an anti-theft system.

The LaCrosse also offers child safety restraints, locks, fog lights, and optional features like an auto-dimming rearview mirror, rearview camera, anti-lock brakes, wheel locks, and a panic alarm. These features enhance safety and contribute to lower insurance premiums.

The Impact of Safety Ratings on Buick LaCrosse Insurance Costs

Car safety ratings are set by the National Highway Traffic Safety Institute and the Insurance Institute for Highway Safety (IIHS). These organizations use a five-star system to evaluate aspects like how much impact Buick LaCrosses can withstand.

The Buick LaCrosse is one of the top ten least expensive cars to insure because the IIHS rated it as one of the safest large cars available.

The IIHS simulates crashes from the front, sides, and back of cars, and they test the roof strength that would be stressed in a rollover. Each of these tests then earns one of the following safety ratings: good, acceptable, marginal, or poor. The Buick LaCrosse rated good in all categories of the IIHS safety tests from 2010-2016.

Factors Affecting Car Insurance Rates for a Buick LaCrosse

No matter how many safety devices automatically come with your Buick LaCrosse and how many optional ones you choose, there are always factors that will affect your insurance rates that are beyond your control or will be based on the model of your car. A few of the common ones are listed below:

• Age: If you are a driver under 25 or older than 55 your car insurance will be more expensive than the average adult. On the other hand, people who are middle-aged will pay less for car insurance.
• Location: Insurance rates depend a lot on where you live. If you live in a neighborhood where there is a lot of theft, your car insurance will cost more because your car will be more at risk. Conversely, insurance companies will give discounts to people in safe neighborhoods.
• Gender: Studies show that women cause and are in fewer accidents than men so insurance companies tend to charge men more than women.
• Credit Report: A good credit report shows insurers that you’re responsible with money, so they’ll probably charge you less. The opposite is true of a bad credit report.
• Driving Record: Like your credit report, a good driving record could save you money by showing you are not a risky driver.

It’s always a good idea to talk to your insurance agent about these factors. In some cases, things like a good driving record or good credit can lead to discounts or other savings. They can make up for the fact that your car may only come with standard features.

Awards Won by the Buick LaCrosse

J.D. Power and Associates gave the Buick Lacrosse the highest rating for dependability. Reliability is something that insurance companies look fondly on.

It’s important when shopping for car insurance to look around and get quotes from several different companies before deciding on the one that’s right for you.

Insurance rates differ from person to person and from town to town so it’s best to compare rates to ensure that you’re getting the best deal for your Buick Lacrosse auto insurance. This way, you have a car with plenty of power, and plenty of coverage.

Case Studies: Best Buick LaCrosse Car Insurance

These case studies illustrate how different drivers benefit from the best Buick LaCrosse car insurance provided by State Farm, Allstate, and AAA. By comparing their experiences, you can gain insights into the factors influencing insurance rates and coverage options tailored to specific needs.

• Case Study #1 – Young Driver in Urban Area: Jane, a 25-year-old living in a busy city, chose State Farm for her Buick LaCrosse insurance. She benefited from rates as low as $45/month, thanks to her clean driving record and the multi-policy discount offered by State Farm. Jane appreciated the comprehensive coverage and excellent customer service, making State Farm her top choice.
• Case Study #2 – Mature Driver in Suburban Area: Mike, a 50-year-old residing in a suburban neighborhood, opted for Allstate. With a mature driver discount and a history of safe driving, Mike secured an affordable rate for his Buick LaCrosse. Allstate’s range of add-on coverages and local agents provided Mike with personalized service and peace of mind.
• Case Study #3 – Military Family: Sarah, a member of a military family, chose AAA for her Buick LaCrosse insurance. AAA offered specialized discounts for military personnel, making it an economical option for Sarah. The user-friendly app and membership perks, such as roadside assistance, enhanced her overall experience.

By choosing the right provider based on individual circumstances, drivers can enjoy affordable and comprehensive coverage. Each company offers unique benefits that can help you find the most suitable insurance ensuring you get the best rates and coverage for your specific situation. Learn more: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements

Whether you’re a young driver in an urban area, a mature driver in the suburbs, or part of a military family, exploring these top providers can lead to significant savings and exceptional service. Enter your ZIP code to start comparing free Buick LaCrosse auto insurance quotes online now.