Buick Lucerne Insurance Rates

Estimated insurance rates for a Buick Lucerne are $932 a year for full coverage. Comprehensive costs around $144 a year, collision insurance costs $188, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $2,002. Teenage drivers pay the most at up to $3,796 a year.

Average premium for full coverage: $932

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Lucerne trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why it is important to compare prices for a specific zip code, 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 shows average Buick Lucerne insurance rates for additional coverage choices and driver risks.

• The best discount rate is $571
• Using higher $1,000 deductibles will save about $854 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $932
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,074
• High-risk insureds who are prone to accidents and violations could pay at least $2,002
• An auto insurance policy that insures a 16-year-old driver can be $3,796 or more

View Chart as Image

Auto insurance prices for a Buick Lucerne also have a wide range based on the trim level of your Lucerne, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

Where you choose to live has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,330 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $220 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

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 Affordable Buick Lucerne Insurance

Finding better rates on insurance for a Buick Lucerne requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a brief review of the material that was covered in the above illustrations.

• Insureds who may need higher liability limits will pay an extra $490 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenagers are expensive to insure, as much as $316 per month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,070 more every year for car insurance
• Increasing policy deductibles can save approximately $225 each year