Buick Lucerne CXL Special Edition Insurance Rates

The average insurance rates for a Buick Lucerne CXL Special Edition are $1,542 a year for full coverage insurance. Comprehensive insurance costs around $354 a year, collision costs $666, and liability costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $3,338 or more. Teenage drivers cost the most to insure at $5,606 a year or more.

Annual premium for full coverage: $1,542

Policy rates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Buick Lucerne Trim Level

These price differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance rates for a Buick Lucerne CXL Special Edition also range considerably based on your risk profile, the model year, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Your home state makes a big difference in Buick Lucerne CXL Special Edition insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $690 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

View Chart as Image

The chart estimates Buick Lucerne CXL Special Edition insurance rates for different risk profiles and scenarios. The cheapest discount rate is $875. Drivers who use higher $1,000 deductibles will pay around $1,312. The average rate for a driver age 40 with no violations using $500 deductibles is $1,542. Choosing low $100 deductibles for physical damage coverage can cost as much as $1,994. Drivers with multiple violations and accidents could be charged around $3,338. The cost for full coverage for a 16-year-old driver is $5,606.

View Chart as Image