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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Estimated insurance rates for a Buick Lucerne are $932 a year for full coverage insurance. Comprehensive insurance costs on average $144 a year, collision insurance costs $188, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,002 or more. 16-year-old drivers pay the most at up to $3,796 a year.
Average premium for full coverage: $932
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Lucerne trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Buick Lucerne range from the low end price of $496 for basic liability insurance to a high of $2,002 for high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why it is important to compare rates based on a specific location, rather than using rate 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 illustrates average Buick Lucerne insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $571
- Drivers who choose higher $1,000 deductibles will pay around $854 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $932
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $142 each year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,002
- An auto insurance policy that insures a teenage driver may cost $3,796 a year
Auto insurance prices for a Buick Lucerne also have a wide range based on the trim level of your Lucerne, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,700 a year. View Rates by Age
Where you choose to live makes a big difference in Buick Lucerne insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,260 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could save up to $220 a year, while buying higher liability limits will cost you more. Switching 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
| 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 Affordable Buick Lucerne Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a brief review of the material that was touched on in this article.
- Consumers who require higher liability limits will pay around $490 annually to go from 30/60 bodily injury limits to the 250/500 level
- Teenagers are charged the highest prices, with premiums being up to $316 per month if the policy includes full coverage
- Drivers with DUI or reckless driving convictions may pay on average $1,070 more each year for car insurance
- Increasing policy deductibles can save approximately $225 each year
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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