Buick Lucerne Insurance Rates

U.S. average auto insurance rates for a Buick Lucerne are $932 annually including full coverage. Comprehensive insurance costs an estimated $144 each year, collision costs $188, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $2,002 or more. Teenage drivers pay the highest rates at $3,796 a year or more.

Average premium for full coverage: $932

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Lucerne models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Buick Lucerne insurance rates for other coverage scenarios.

• The best discount rate is $571
• Using higher $1,000 deductibles will save approximately $78 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $932
• Using low deductibles for physical damage coverage costs an additional $142 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,002 or more
• The price with full coverage for a 16-year-old driver can cost as much as $3,796 or more

View Chart as Image

Insurance prices for a Buick Lucerne are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy More Affordable Buick Lucerne Insurance

Getting lower rates on insurance for a Buick Lucerne requires being a safe and courteous driver, having a good credit history, being claim-free, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,070 more annually for auto insurance
• You may be able to save approximately $100 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $225 each year
• Insureds who want higher levels of liability will pay an extra $490 per year to increase from a low limit to higher 250/500 limits