Buick Lucerne Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Average insurance prices for a Buick Lucerne are $950 every 12 months for full coverage. Comprehensive costs on average $148, collision insurance costs $198, and liability insurance costs around $446. Liability-only coverage costs as low as $500 a year, and high-risk coverage costs around $2,048. Teen drivers receive the highest rates at up to $3,864 a year.
Average premium for full coverage: $950
Rate estimates by individual coverage type:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Lucerne trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $500 for just liability insurance to a much higher rate of $2,048 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference location can make on car insurance rates.
These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Buick Lucerne insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $580
- Using higher $1,000 deductibles will save around $78 a year
- The average price for a 40-year-old driver with $500 deductibles is $950
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,102
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,048
- The cost to insure a teen driver with full coverage may cost $3,864 or more
Car insurance rates for a Buick Lucerne can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Lucerne.
Choosing high deductibles could cut rates by as much as $230 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can be anywhere from 41% to 129% more than average. View High Risk Driver Rates
Where you live has a huge impact on Buick Lucerne insurance rates. A driver around age 40 might see rates as low as $630 a year in states like Idaho, Maine, and Iowa, or as much as $1,360 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $862 | -$88 | -9.3% |
| Alaska | $730 | -$220 | -23.2% |
| Arizona | $790 | -$160 | -16.8% |
| Arkansas | $950 | -$0 | 0.0% |
| California | $1,086 | $136 | 14.3% |
| Colorado | $910 | -$40 | -4.2% |
| Connecticut | $980 | $30 | 3.2% |
| Delaware | $1,078 | $128 | 13.5% |
| Florida | $1,192 | $242 | 25.5% |
| Georgia | $880 | -$70 | -7.4% |
| Hawaii | $682 | -$268 | -28.2% |
| Idaho | $642 | -$308 | -32.4% |
| Illinois | $708 | -$242 | -25.5% |
| Indiana | $716 | -$234 | -24.6% |
| Iowa | $642 | -$308 | -32.4% |
| Kansas | $906 | -$44 | -4.6% |
| Kentucky | $1,298 | $348 | 36.6% |
| Louisiana | $1,410 | $460 | 48.4% |
| Maine | $588 | -$362 | -38.1% |
| Maryland | $784 | -$166 | -17.5% |
| Massachusetts | $762 | -$188 | -19.8% |
| Michigan | $1,654 | $704 | 74.1% |
| Minnesota | $796 | -$154 | -16.2% |
| Mississippi | $1,142 | $192 | 20.2% |
| Missouri | $844 | -$106 | -11.2% |
| Montana | $1,024 | $74 | 7.8% |
| Nebraska | $752 | -$198 | -20.8% |
| Nevada | $1,142 | $192 | 20.2% |
| New Hampshire | $686 | -$264 | -27.8% |
| New Jersey | $1,066 | $116 | 12.2% |
| New Mexico | $844 | -$106 | -11.2% |
| New York | $1,002 | $52 | 5.5% |
| North Carolina | $550 | -$400 | -42.1% |
| North Dakota | $780 | -$170 | -17.9% |
| Ohio | $656 | -$294 | -30.9% |
| Oklahoma | $978 | $28 | 2.9% |
| Oregon | $872 | -$78 | -8.2% |
| Pennsylvania | $910 | -$40 | -4.2% |
| Rhode Island | $1,270 | $320 | 33.7% |
| South Carolina | $862 | -$88 | -9.3% |
| South Dakota | $804 | -$146 | -15.4% |
| Tennessee | $834 | -$116 | -12.2% |
| Texas | $1,148 | $198 | 20.8% |
| Utah | $704 | -$246 | -25.9% |
| Vermont | $654 | -$296 | -31.2% |
| Virginia | $570 | -$380 | -40.0% |
| Washington | $736 | -$214 | -22.5% |
| West Virginia | $872 | -$78 | -8.2% |
| Wisconsin | $660 | -$290 | -30.5% |
| Wyoming | $848 | -$102 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $922 | $77 |
| Buick Lucerne CXL | $936 | $78 |
| Buick Lucerne CXL Special Edition | $950 | $79 |
| Buick Lucerne Super | $966 | $81 |
Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Buick Lucerne | $184 | $274 | $474 | $1,090 |
| 2010 Buick Lucerne | $174 | $250 | $474 | $1,056 |
| 2009 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2008 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2007 Buick Lucerne | $162 | $208 | $452 | $980 |
| 2006 Buick Lucerne | $148 | $198 | $446 | $950 |
Rates are averaged for all Buick Lucerne models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Buick Lucerne Insurance
Saving money on Buick Lucerne insurance requires having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a brief summary of the ideas that were touched on in this article.
- Drivers age 20 and younger are expensive to insure, costing as high as $322 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,100 more each year to buy Buick Lucerne insurance
- Increasing deductibles could save as much as $225 each year
- Drivers can save as much as $100 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,864 |
| 20 | $2,182 |
| 30 | $968 |
| 40 | $950 |
| 50 | $876 |
| 60 | $856 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,102 |
| $250 | $1,034 |
| $500 | $950 |
| $1,000 | $872 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $950 |
| 50/100 | $1,055 |
| 100/300 | $1,167 |
| 250/500 | $1,457 |
| 100 CSL | $1,100 |
| 300 CSL | $1,345 |
| 500 CSL | $1,524 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,432 |
| 20 | $3,472 |
| 30 | $2,062 |
| 40 | $2,048 |
| 50 | $1,958 |
| 60 | $1,938 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $63 |
| Total Discounts | $370 |
Discounts are estimated and may not be available from every company or in every state.
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