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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U.S. average insurance rates for a Buick Lucerne are $932 a year for full coverage. Comprehensive insurance costs on average $144, collision costs $188, and liability is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $2,002 or more. Teens pay the highest rates at $3,796 a year or more.
Average premium for full coverage: $932
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Lucerne models.
Price Range from Low to High
For the average 40-year-old driver, Buick Lucerne insurance prices go from the low end price of $496 for just liability coverage to the much higher price of $2,002 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows estimated Buick Lucerne insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $571
- Raising to $1,000 deductibles will save around $78 a year
- The estimated price for the average middle-age driver with $500 deductibles is $932
- Selecting pricier low deductibles will cost an additional $142 annually
- Drivers with serious driving violations could pay upwards of $2,002 or more
- The price that insures a 16-year-old driver for full coverage may cost $3,796
Insurance prices for a Buick Lucerne are also quite variable based on the model of your Lucerne, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Buick Lucerne insurance for high-risk drivers is expensive and can cost from 42% to 131% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age
The state you live in also has a big influence on Buick Lucerne insurance prices. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,330 on average in Michigan, Louisiana, 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 higher comprehensive and collision insurance deductibles can reduce prices by up to $220 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, so the prices may be quite 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
Getting lower rates on insurance for a Buick Lucerne consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The list below is a quick rundown of the primary concepts that were touched on in this article.
- Drivers can save as much as $100 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,070 more each year for car insurance
- Increasing physical damage deductibles can save approximately $225 each year
- Teenagers pay the highest prices, with premiums as much as $316 a month if full coverage is included
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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