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

Quick Facts

• A Buick LeSabre costs less than most other cars to insure.
• Liability only auto insurance prices for a LeSabre come in at around $68 monthly, while full coverage normally tends to be about $120.
• At as low as just $26 per month for liability only coverage, ACG is the most affordable insurance carrier for a LeSabre.

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LeSabre Overview

The Buick LeSabre is a great mid-level option for any driver, with a base price of $26,725 for 2005 models. There are two different trim levels currently offered, so you'll be sure to find an option to fit your style.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Buick LeSabre auto insurance rates are around $85 monthly, on average. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Buick LeSabre?

In the table above, you'll find that Buick LeSabre insurance premiums are cheaper than average compared to other vehicles. On average, LeSabre owners can expect to pay about $120 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $68 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other models, the LeSabre is less expensive, with rates more than 10% lower than Buick's other vehicle offerings. Compared to offerings from other brands, car insurance for a LeSabre is also more affordable, with full coverage insurance prices coming in around 32% less and 18% less for liability only insurance.

When compared to all vehicles, regardless of make, model, or body style, the LeSabre follows a similar pattern of having below average insurance premiums.

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Who has the Cheapest Car Insurance for a Buick LeSabre?

Are you searching for an auto insurance policy for your Buick LeSabre? You may be most interested in which company offers the lowest prices. Although there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from ACG. With car insurance as little as just $28 monthly, Safeway is the next lowest auto insurance company.

The third, fourth, and fifth companies on the list are CaliforniaCasualty, NYCM, and Hugo. 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 wide array of different variables into consideration when calculating monthly premiums. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from lots of insurance carriers.

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What Factors Affect Car Insurance Rates for a Buick LeSabre?

There are a variety of factors that car insurance companies take into account to determine how much to charge -- and every carrier weighs certain pieces more than others, so there's not a single company that's the lowest for each LeSabre owner.

The sections below show a whole range of things insurance carriers use to calculate rates:

Vehicle Age

Buick has been making the LeSabre for quite some time, so the car's age may make a difference in how much you'll pay for auto insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, the LeSabre won't really fit this trend. However, as you can see in the table above, the most expensive Buick LeSabres to insure are those that are 15 years old or more, while the cheapest models are LeSabres that are 8 to 10 years old, on average.

Your Age

Your age is another variable that plays a big role in how much you pay for car insurance. Based on the information above, those who have more experience pay less than younger drivers. Buick LeSabre drivers under 18 actually pay more than twice as much as those 25 or older.

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

Your Gender

Because women are less likely to get into accidents and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men. The Buick LeSabre follows this convention, and women pay about $66 per month for auto insurance and men pay around $71.

Where You Live

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live is just as important? Insurance is regulated on the state level and not nationally, so premiums can change quite a bit depending on which state you're located in.

For example, the average Buick LeSabre driver from New York pays about $110 a month for liability coverage, while on average, the same owner from California will pay less than 50% of that price. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Buick LeSabre Car Insurance Discounts

Whatever which vehicle you drive, how old you are, or what state you call home, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

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

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments
• Multi-vehicle discounts for insuring more than one of your cars with the same company

These discounts are great, but sometimes, it's actually having a favorable driving record and insurance profile that get you the best rates.

Of course, you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've most likely seen ads from insurance companies promoting hefty discounts for safe drivers. It shouldn't come as a surprise that your auto insurance prices will get higher if you get into an accident or get cited for speeding. But how much will they cost you?

Based on the table above, accidents will usually cost LeSabre drivers more than tickets, but both will result in higher than normal rates. Buick LeSabre drivers with one ticket will pay about $75 monthly, while drivers with a single accident on their record pay an average of $97 each month (up $29 from the $68/mo. overall average). The rates only go up the more tickets you get or collisions you have.

How Much You Drive

The total amount of miles you drive each year affects your insurance premiums. Those who are on the roads less often are less likely to get into accidents, so they'll typically get more affordable prices. In the above table, you can see that Buick LeSabre owners who drive fewer than 2,500 miles a year pay about $66 a month for car insurance, while those who put 10,000 miles or more on their cars pay $69.

If you don't use your Buick LeSabre that often, you might consider learning about usage-based or pay-per-mile insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Buick LeSabres Compare to Other Vehicles?

If you're considering purchasing a Buick LeSabre, you might want to know how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Take a look at the table below to see how the Buick LeSabre stacks up:

Overall, the Buick LeSabre has an MSRP that's on par with the going rate for a new vehicle. The LeSabre's $30,630 base MSRP is right on trend with the national average of $26,725. And since it's been awhile since a new LeSabre model has been on the market, used prices will be even lower.

Although the purchase price is right in the middle of the spectrum, auto insurance rates are lower when compared to other vehicles on the market. Full coverage insurance for a Buick LeSabre is around $55 a month cheaper than average, while liability only coverage is $9 cheaper per month.

When it comes to usage, Buick LeSabre drivers are pretty close to the national average in annual miles driven, with 10,830 miles per year compared to 11,617 for all vehicles.

Buick LeSabre Car Insurance Costs by Model Year

You've seen how different things can have an impact on how much the average driver pays for car insurance. If you're considering buying a new LeSabre, knowing what you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2005 Buick LeSabre Car Insurance 2004 Buick LeSabre Car Insurance 2003 Buick LeSabre Car Insurance 2002 Buick LeSabre Car Insurance 2001 Buick LeSabre Car Insurance 2000 Buick LeSabre Car Insurance 1999 Buick LeSabre Car Insurance 1998 Buick LeSabre Car Insurance 1997 Buick LeSabre Car Insurance 1996 Buick LeSabre Car Insurance 1995 Buick LeSabre Car Insurance 1994 Buick LeSabre Car Insurance 1993 Buick LeSabre Car Insurance

2005 Buick LeSabre Car Insurance

On average, drivers who own a 2005 LeSabre can expect to pay $72 to $114 monthly for liability only and full coverage car insurance, respectively.

With rates as low as $18 a month, Elephant offered the most affordable policy we found for the 2005 Buick LeSabre.

While these are good estimates of what the average driver might pay to insure a 2005 Buick LeSabre, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2004 Buick LeSabre Car Insurance

The average cost to insure a 2004 Buick LeSabre with liability only coverage is $73 per month, while full coverage runs about $135 a month.

We found ACG offered the lowest policy, with rates sometimes as cheap as $14 monthly.

Interested in just how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2003 Buick LeSabre Car Insurance

It costs around $70 per month for liability or $125 for a full coverage policy for the 2003 LeSabre.

Sun Coast has prices sometimes as low as $17 a month for the 2003 Buick LeSabre.

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

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2002 Buick LeSabre Car Insurance

2002 Buick LeSabre drivers can expect to pay an average of $68 per month for liability or $106 for full coverage.

With rates sometimes as little as $17 monthly, Liberty Mutual offered the cheapest policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2001 Buick LeSabre Car Insurance

You can expect full coverage for a 2001 LeSabre to run about $128 a month, while liability only coverage will average around $68 monthly.

Looking for the lowest policy? Elephant offered liability only coverage for as cheap as just $16 per month.

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

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2000 Buick LeSabre Car Insurance

On average, drivers who own a 2000 Buick LeSabre can expect to pay $72 to $122 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2000 Buick LeSabre insurance policy, Mercury offered the most affordable policy we found, with rates as cheap as $16 a month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several customized quotes for free.

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1999 Buick LeSabre Car Insurance

The average cost to insure a 1999 LeSabre with liability only coverage is $65 per month, while full coverage runs about $104 a month.

Elephant offered the cheapest policy we found, with rates as little as $20 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 1999 Buick LeSabre, you can get free quotes in minutes by just entering your ZIP code below.

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1998 Buick LeSabre Car Insurance

It costs around $62 monthly for liability or $82 for a full coverage policy for the 1998 Buick LeSabre.

We found Mapfre offered the lowest policy, with rates as cheap as $15 a month.

While these are good estimates of what the average driver might pay to insure a 1998 Buick LeSabre, 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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1997 Buick LeSabre Car Insurance

You can expect full coverage for a 1997 LeSabre to run about $113 per month, while liability only coverage will average around $64 monthly.

With prices as little as $20 a month, Jupiter offered the cheapest policy we found for the 1997 Buick LeSabre.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple personalized quotes for free.

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1996 Buick LeSabre Car Insurance

1996 Buick LeSabre drivers can expect to pay an average of $91 monthly for liability or $420 for full coverage.

If you're looking for the lowest possible 1996 Buick LeSabre insurance policy, Commonwealth Casualty offered the most affordable policy we found, with rates as little as just $18 per month.

These average rates are a great starting point if you're in the market for a 1996 Buick LeSabre, but there are lots of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1995 Buick LeSabre Car Insurance

It costs about $62 monthly for liability or $97 for a full coverage policy for the 1995 LeSabre.

With prices as cheap as just $17 a month, Commonwealth Casualty offered the lowest policy we found.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of free customized quotes.

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1994 Buick LeSabre Car Insurance

The average cost to insure a 1994 Buick LeSabre with liability only coverage is $66 per month, while full coverage runs around $78 monthly.

Mapfre has premiums as low as just $19 per month for the 1994 Buick LeSabre.

If you want to find the best prices for auto insurance for a 1994 Buick LeSabre, enter your ZIP code below and compare several personalized quotes in just a few minutes.

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1993 Buick LeSabre Car Insurance

On average, drivers who own a 1993 LeSabre can expect to pay $63 to $84 a month for liability only and full coverage car insurance, respectively.

Elephant offered the most affordable policy we found, with rates sometimes as little as $19 monthly.

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

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Buick LeSabre Insurance FAQs

Is a Buick LeSabre expensive to insure?

Liability insurance runs an average of $68 a month, while full coverage will cost you around $120. The Buick LeSabre is less expensive to insure compared to the average vehicle.

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

The only way to confirm you're getting the cheapest price on insurance is to check prices regularly and compare quotes from a wide array of carriers. 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 rates from a lot of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Buick LeSabre affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. There are multiple variables auto insurance carriers consider when they calculate how much you'll pay, but the color of your car isn't one of them.

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

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your auto insurance carrier before you buy.

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

There are a whole range of different discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your LeSabre and more on you, but if your LeSabre has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The best way to find out is to reach out to your insurance company and ask about their list of discounts, since they fluctuate quite a bit from carrier to carrier.