Buick Lucerne Insurance Rates

The average insurance rates for a Buick Lucerne are $932 a year with full coverage. Comprehensive costs approximately $144, collision costs $188, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,002. Teenage drivers cost the most to insure at $3,796 a year or more.

Average premium for full coverage: $932

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Lucerne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details estimated Buick Lucerne insurance rates for additional coverage and risk scenarios.

• The best discount rate is $571
• Using higher $1,000 deductibles will save $78 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $932
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,074
• High-risk insureds who are prone to accidents and violations could pay around $2,002 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $3,796 or more

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see rates as low as $670 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,260 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $220 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 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 may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can be from 42% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Buick Lucerne Insurance

Finding cheaper rates on insurance for a Buick Lucerne requires being a safe and courteous driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save around $100 per year simply by shopping early and online
• Insureds who purchase higher levels of liability will pay an extra $490 every year to increase from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $316 each month for full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,070 more per year for auto insurance