Buick Lucerne Insurance Rates

The average insurance rates for a Buick Lucerne are $932 a year including full coverage. Comprehensive costs approximately $144 each year, collision costs $188, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,002. Teens cost the most to insure at $3,796 a year or more.

Average premium for full coverage: $932

Policy rates by type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Lucerne models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Buick Lucerne insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $571
• Raising to $1,000 deductibles will save $78 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $932
• Selecting low deductibles will increase the cost to $1,074
• Higher-risk drivers with serious driving violations could pay around $2,002 or more
• Policy cost for full coverage for a teen driver can cost $3,796

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on your risk profile, the model of your Lucerne, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

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 have to pay at least $1,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.

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 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 qualifying for all possible discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief review of the information touched on in this article.

• You may be able to save around $100 per year simply by quoting online in advance
• Teens are the costliest to insure, with premiums being up to $316 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $225 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,070 more per year for Lucerne insurance
• Drivers who purchase higher liability limits will pay approximately $490 per year to raise from a 30/60 limit to 250/500 limits