Buick Lucerne Insurance Rates

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

Average premium for full coverage: $932

Policy rates for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/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 can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Buick Lucerne insurance rates for additional coverage choices and driver risks.

• The best discount rate is $571
• Drivers who choose higher $1,000 deductibles will pay about $78 annually
• The average rate for a good driver age 40 using $500 deductibles is $932
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $142 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,002 or more
• Policy cost for full coverage for a teen driver for full coverage can be $3,796 a year

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,700 a year. View Rates by Age

Your home state makes a big difference in Buick Lucerne insurance prices. 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 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the 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 Low Cost Buick Lucerne Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a review of the ideas that were touched on in this article.

• Youthful drivers pay higher rates, as much as $316 each month for full coverage
• Higher risk drivers who have several accidents or serious violations pay an average of $1,070 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $225 each year
• You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date