Buick Lucerne Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Buick Lucerne are $950 a year for full coverage. Comprehensive insurance costs an estimated $148, collision insurance costs $198, and liability costs $446. Buying just liability costs as little as $500 a year, and insurance for high-risk drivers costs $2,048 or more. Teen drivers pay the highest rates at up to $3,864 a year.
Average premium for full coverage: $950
Price estimates broken down by individual coverage:
Price estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Lucerne models.
Price Range from Low to High
For a 40-year-old driver, Buick Lucerne insurance prices range from as low as $500 for basic liability insurance to the much higher price of $2,048 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change insurance prices.
The ranges above show why everyone should compare rates for a targeted area and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below shows average Buick Lucerne insurance rates for other coverage scenarios.
- The lowest rate with discounts is $580
- Drivers who choose higher $1,000 deductibles will pay approximately $78 a year
- The average rate for the average middle-age driver who has $500 deductibles is $950
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $152 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,048
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $3,864 a year
Insurance prices for a Buick Lucerne are also quite variable based on your driving record, the trim level of your Lucerne, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,800 a year. View Rates by Age
The state you live in makes a big difference in Buick Lucerne insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Iowa, Maine, and Idaho, or as much as $1,360 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could save up to $230 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,100 to $1,600 additional each year, depending on your age. Buick Lucerne insurance for high-risk drivers can cost from 41% to 129% more than average. View High Risk Driver Rates
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 Find Cheaper Buick Lucerne Insurance
Getting lower rates on insurance for a Buick Lucerne not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a condensed summary of the data illustrated above.
- Insureds who want higher liability limits will pay about $490 each year to go from a low limit to 250/500 limits
- Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $225 each year
- Teens are expensive to insure, with premiums as much as $322 a month including comprehensive and collision insurance
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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