Buick Lucerne Insurance Rates

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

Average premium for full coverage: $932

Policy rates by type of insurance:

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Lucerne models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below details estimated Buick Lucerne insurance rates for different risk profiles and scenarios.

• The best discount rate is $571
• Drivers who choose higher $1,000 deductibles will pay around $78 annually
• The estimated price for a good driver age 40 with $500 deductibles is $932
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,074
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,002 or more
• Policy cost that insures a teenage driver for full coverage may cost $3,796 a year

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on the model of your Lucerne, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,100 to $1,600 extra every year, depending on your age. Buick Lucerne insurance for high-risk drivers can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age

Your home state makes a big difference in Buick Lucerne insurance rates. A 40-year-old driver could pay as low as $670 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,260 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $220 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Find Low Cost Buick Lucerne Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at least once a year by requesting rates from direct companies, and also from several local insurance agents.

The following is a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations pay on average $1,070 more each year for Lucerne insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Teens pay the highest rates, as much as $316 each month if full coverage is included