Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Buick Lucerne are $950 every 12 months including full coverage. Comprehensive costs on average $148 a year, collision costs $198, and liability costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing around $2,048. Teen drivers receive the highest rates at $3,864 a year or more.
Average premium for full coverage: $950
Rate estimates by individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Lucerne trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $500 for basic liability insurance to a high of $2,048 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location helps determine car insurance rates.
These examples highlight why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down estimated Buick Lucerne insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $580
- Drivers who choose higher $1,000 deductibles will pay around $872 every year
- The average price for a 40-year-old driver with $500 deductibles is $950
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,102
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,048 or more
- The cost to insure a 16-year-old driver may cost $3,864 a year
Auto insurance rates for a Buick Lucerne can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Lucerne.
Choosing high deductibles could save up to $230 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 41% to 129% more than average. View High Risk Driver Rates
Where you live makes a big difference in Buick Lucerne insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,360 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $862 | -$88 | -9.3% |
| Alaska | $730 | -$220 | -23.2% |
| Arizona | $790 | -$160 | -16.8% |
| Arkansas | $950 | -$0 | 0.0% |
| California | $1,086 | $136 | 14.3% |
| Colorado | $910 | -$40 | -4.2% |
| Connecticut | $980 | $30 | 3.2% |
| Delaware | $1,078 | $128 | 13.5% |
| Florida | $1,192 | $242 | 25.5% |
| Georgia | $880 | -$70 | -7.4% |
| Hawaii | $682 | -$268 | -28.2% |
| Idaho | $642 | -$308 | -32.4% |
| Illinois | $708 | -$242 | -25.5% |
| Indiana | $716 | -$234 | -24.6% |
| Iowa | $642 | -$308 | -32.4% |
| Kansas | $906 | -$44 | -4.6% |
| Kentucky | $1,298 | $348 | 36.6% |
| Louisiana | $1,410 | $460 | 48.4% |
| Maine | $588 | -$362 | -38.1% |
| Maryland | $784 | -$166 | -17.5% |
| Massachusetts | $762 | -$188 | -19.8% |
| Michigan | $1,654 | $704 | 74.1% |
| Minnesota | $796 | -$154 | -16.2% |
| Mississippi | $1,142 | $192 | 20.2% |
| Missouri | $844 | -$106 | -11.2% |
| Montana | $1,024 | $74 | 7.8% |
| Nebraska | $752 | -$198 | -20.8% |
| Nevada | $1,142 | $192 | 20.2% |
| New Hampshire | $686 | -$264 | -27.8% |
| New Jersey | $1,066 | $116 | 12.2% |
| New Mexico | $844 | -$106 | -11.2% |
| New York | $1,002 | $52 | 5.5% |
| North Carolina | $550 | -$400 | -42.1% |
| North Dakota | $780 | -$170 | -17.9% |
| Ohio | $656 | -$294 | -30.9% |
| Oklahoma | $978 | $28 | 2.9% |
| Oregon | $872 | -$78 | -8.2% |
| Pennsylvania | $910 | -$40 | -4.2% |
| Rhode Island | $1,270 | $320 | 33.7% |
| South Carolina | $862 | -$88 | -9.3% |
| South Dakota | $804 | -$146 | -15.4% |
| Tennessee | $834 | -$116 | -12.2% |
| Texas | $1,148 | $198 | 20.8% |
| Utah | $704 | -$246 | -25.9% |
| Vermont | $654 | -$296 | -31.2% |
| Virginia | $570 | -$380 | -40.0% |
| Washington | $736 | -$214 | -22.5% |
| West Virginia | $872 | -$78 | -8.2% |
| Wisconsin | $660 | -$290 | -30.5% |
| Wyoming | $848 | -$102 | -10.7% |
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every 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 | $922 | $77 |
| Buick Lucerne CXL | $936 | $78 |
| Buick Lucerne CXL Special Edition | $950 | $79 |
| Buick Lucerne Super | $966 | $81 |
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 | $184 | $274 | $474 | $1,090 |
| 2010 Buick Lucerne | $174 | $250 | $474 | $1,056 |
| 2009 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2008 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2007 Buick Lucerne | $162 | $208 | $452 | $980 |
| 2006 Buick Lucerne | $148 | $198 | $446 | $950 |
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 Shop for More Affordable Buick Lucerne Insurance
Saving money on insurance for a Buick Lucerne not only requires having a good driving record, but also having a good credit score, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,100 more each year to buy Buick Lucerne insurance
- Drivers age 20 and younger are charged the highest rates, as much as $322 per month if comprehensive and collision insurance is included
- You may be able to save as much as $100 per year simply by quoting early and online
- Increasing deductibles could save as much as $225 each year
- You may be able to save as much as $100 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,864 |
| 20 | $2,182 |
| 30 | $968 |
| 40 | $950 |
| 50 | $876 |
| 60 | $856 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,102 |
| $250 | $1,034 |
| $500 | $950 |
| $1,000 | $872 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $950 |
| 50/100 | $1,055 |
| 100/300 | $1,167 |
| 250/500 | $1,457 |
| 100 CSL | $1,100 |
| 300 CSL | $1,345 |
| 500 CSL | $1,524 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,432 |
| 20 | $3,472 |
| 30 | $2,062 |
| 40 | $2,048 |
| 50 | $1,958 |
| 60 | $1,938 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $63 |
| Total Discounts | $370 |
Discounts are estimated and may not be available from every company or in every state.
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