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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Average insurance rates for a Buick Lucerne are $932 a year with full coverage. Comprehensive insurance costs around $144, collision costs $188, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $2,002 or more. Teen drivers receive the highest rates at $3,796 a year or more.
Average premium for full coverage: $932
Rate estimates for individual coverage type:
Prices include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Lucerne trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $496 for minimum levels of liability insurance to a much higher rate of $2,002 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using 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.
Additional Rate Details
The chart below details estimated Buick Lucerne insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $571
- Raising to $1,000 deductibles will save about $78 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $932
- Choosing more expensive low deductibles will cost an additional $142 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,002 or more
- The cost that insures a teen driver with full coverage can be $3,796
Auto insurance rates for a Buick Lucerne can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 131% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age
Where you live also has a big influence on Buick Lucerne insurance prices. A middle-age driver might find rates as low as $670 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,260 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can reduce rates by up to $220 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.
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 Right Buick Lucerne Insurance
Saving money on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the primary concepts that were touched on above.
- You may be able to save up to $100 per year simply by shopping early and online
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,070 more every year for Lucerne insurance
- Increasing deductibles can save approximately $225 each year
- Teens are expensive to insure, with premiums as much as $316 per month if the policy includes full coverage
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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