Buick Lucerne Insurance Rates

The average auto insurance rates for a Buick Lucerne are $932 annually including full coverage. Comprehensive insurance costs an estimated $144 a year, collision costs $188, and liability insurance is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $2,002 or more. Teen drivers cost the most to insure at $3,796 a year or more.

Average premium for full coverage: $932

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Lucerne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $571
• Raising to $1,000 deductibles will save approximately $854 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $932
• Choosing low $100 deductibles costs an additional $142 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,002 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,796

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you are likely paying $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $220 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Buick Lucerne insurance rates. A middle-age driver might find rates as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied 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 Affordable Buick Lucerne Insurance

Finding cheaper rates on Buick Lucerne insurance consists of not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief review of the material that was illustrated above.

• Drivers who want higher liability limits will pay about $490 per year to raise from a 30/60 limit to higher 250/500 limits
• Teens are charged the highest rates, with premiums being up to $316 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,070 more annually for Lucerne insurance
• Increasing comprehensive and collision deductibles could save up to $225 each year