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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Estimated insurance rates for a Buick Lucerne are $932 a year for full coverage insurance. Comprehensive costs on average $144, collision costs $188, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,002. 16-year-old drivers pay the most at $3,796 a year or more.
Average premium for full coverage: $932
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Lucerne trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Buick Lucerne go from as low as $496 for the bare minimum liability coverage to a much higher rate of $2,002 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using rate 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.
Additional Rate Information
The chart below illustrates estimated Buick Lucerne insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $571
- Raising to $1,000 deductibles will save around $78 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $932
- Buying more expensive low deductibles will increase the cost to $1,074
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,002 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $3,796
Insurance prices for a Buick Lucerne also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age
Where you choose to live also has a big influence on Buick Lucerne insurance prices. A middle-age driver might find prices as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,260 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $844 | -$88 | -9.4% |
| Alaska | $716 | -$216 | -23.2% |
| Arizona | $774 | -$158 | -17.0% |
| Arkansas | $932 | -$0 | 0.0% |
| California | $1,062 | $130 | 13.9% |
| Colorado | $890 | -$42 | -4.5% |
| Connecticut | $960 | $28 | 3.0% |
| Delaware | $1,054 | $122 | 13.1% |
| Florida | $1,168 | $236 | 25.3% |
| Georgia | $860 | -$72 | -7.7% |
| Hawaii | $670 | -$262 | -28.1% |
| Idaho | $632 | -$300 | -32.2% |
| Illinois | $694 | -$238 | -25.5% |
| Indiana | $702 | -$230 | -24.7% |
| Iowa | $628 | -$304 | -32.6% |
| Kansas | $886 | -$46 | -4.9% |
| Kentucky | $1,272 | $340 | 36.5% |
| Louisiana | $1,380 | $448 | 48.1% |
| Maine | $574 | -$358 | -38.4% |
| Maryland | $770 | -$162 | -17.4% |
| Massachusetts | $746 | -$186 | -20.0% |
| Michigan | $1,620 | $688 | 73.8% |
| Minnesota | $780 | -$152 | -16.3% |
| Mississippi | $1,118 | $186 | 20.0% |
| Missouri | $828 | -$104 | -11.2% |
| Montana | $1,002 | $70 | 7.5% |
| Nebraska | $734 | -$198 | -21.2% |
| Nevada | $1,118 | $186 | 20.0% |
| New Hampshire | $672 | -$260 | -27.9% |
| New Jersey | $1,042 | $110 | 11.8% |
| New Mexico | $824 | -$108 | -11.6% |
| New York | $982 | $50 | 5.4% |
| North Carolina | $536 | -$396 | -42.5% |
| North Dakota | $764 | -$168 | -18.0% |
| Ohio | $644 | -$288 | -30.9% |
| Oklahoma | $960 | $28 | 3.0% |
| Oregon | $854 | -$78 | -8.4% |
| Pennsylvania | $890 | -$42 | -4.5% |
| Rhode Island | $1,246 | $314 | 33.7% |
| South Carolina | $844 | -$88 | -9.4% |
| South Dakota | $786 | -$146 | -15.7% |
| Tennessee | $818 | -$114 | -12.2% |
| Texas | $1,122 | $190 | 20.4% |
| Utah | $692 | -$240 | -25.8% |
| Vermont | $638 | -$294 | -31.5% |
| Virginia | $558 | -$374 | -40.1% |
| Washington | $722 | -$210 | -22.5% |
| West Virginia | $854 | -$78 | -8.4% |
| Wisconsin | $646 | -$286 | -30.7% |
| Wyoming | $832 | -$100 | -10.7% |
Opting for high physical damage deductibles can reduce prices by up to $220 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 131% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $902 | $75 |
| Buick Lucerne CXL | $918 | $77 |
| Buick Lucerne CXL Special Edition | $932 | $78 |
| Buick Lucerne Super | $948 | $79 |
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 | $174 | $250 | $474 | $1,056 |
| 2010 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2009 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2008 Buick Lucerne | $162 | $208 | $452 | $980 |
| 2007 Buick Lucerne | $148 | $198 | $446 | $950 |
| 2006 Buick Lucerne | $144 | $188 | $442 | $932 |
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 Find the Best Cheap Buick Lucerne Insurance
Finding better rates on car insurance consists of being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a quick review of the concepts that were raised in the charts and tables above.
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,070 more each year than a low-risk driver
- Youthful drivers pay higher prices, with premiums being up to $316 per month including comprehensive and collision insurance
- It is possible to save as much as $100 per year simply by shopping early and online
- Increasing policy deductibles can save around $225 each year
- It is possible to save as much as $100 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,796 |
| 20 | $2,134 |
| 30 | $946 |
| 40 | $932 |
| 50 | $856 |
| 60 | $838 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,010 |
| $500 | $932 |
| $1,000 | $854 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $932 |
| 50/100 | $1,036 |
| 100/300 | $1,147 |
| 250/500 | $1,434 |
| 100 CSL | $1,081 |
| 300 CSL | $1,324 |
| 500 CSL | $1,501 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,330 |
| 20 | $3,398 |
| 30 | $2,016 |
| 40 | $2,002 |
| 50 | $1,916 |
| 60 | $1,896 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $361 |
Discounts are estimated and may not be available from every company or in every state.
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