Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Buick Lucerne are $980 a year for full coverage. Comprehensive costs around $162, collision insurance costs $208, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $2,104. Teens pay the most at up to $3,944 a year.
Average premium for full coverage: $980
Premium estimates for type of coverage:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Lucerne models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Buick Lucerne range from as low as $504 for the bare minimum liability coverage to the much higher price of $2,104 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.
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.
Additional Rate Information
The chart below shows average Buick Lucerne insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $599
- Drivers who choose higher $1,000 deductibles will pay about $84 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $980
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,140
- High risk drivers with serious driving violations could pay at least $2,104
- An auto insurance policy for full coverage for a teen driver for full coverage can be $3,944 a year
Insurance prices for a Buick Lucerne also have a wide range based on your driving characteristics, the trim level of your Lucerne, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $3,900 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 $650 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,400 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $886 | -$94 | -9.6% |
| Alaska | $752 | -$228 | -23.3% |
| Arizona | $814 | -$166 | -16.9% |
| Arkansas | $980 | -$0 | 0.0% |
| California | $1,118 | $138 | 14.1% |
| Colorado | $936 | -$44 | -4.5% |
| Connecticut | $1,008 | $28 | 2.9% |
| Delaware | $1,110 | $130 | 13.3% |
| Florida | $1,226 | $246 | 25.1% |
| Georgia | $904 | -$76 | -7.8% |
| Hawaii | $704 | -$276 | -28.2% |
| Idaho | $664 | -$316 | -32.2% |
| Illinois | $730 | -$250 | -25.5% |
| Indiana | $738 | -$242 | -24.7% |
| Iowa | $660 | -$320 | -32.7% |
| Kansas | $932 | -$48 | -4.9% |
| Kentucky | $1,338 | $358 | 36.5% |
| Louisiana | $1,450 | $470 | 48.0% |
| Maine | $604 | -$376 | -38.4% |
| Maryland | $808 | -$172 | -17.6% |
| Massachusetts | $784 | -$196 | -20.0% |
| Michigan | $1,704 | $724 | 73.9% |
| Minnesota | $820 | -$160 | -16.3% |
| Mississippi | $1,174 | $194 | 19.8% |
| Missouri | $870 | -$110 | -11.2% |
| Montana | $1,052 | $72 | 7.3% |
| Nebraska | $774 | -$206 | -21.0% |
| Nevada | $1,176 | $196 | 20.0% |
| New Hampshire | $706 | -$274 | -28.0% |
| New Jersey | $1,098 | $118 | 12.0% |
| New Mexico | $868 | -$112 | -11.4% |
| New York | $1,032 | $52 | 5.3% |
| North Carolina | $566 | -$414 | -42.2% |
| North Dakota | $802 | -$178 | -18.2% |
| Ohio | $678 | -$302 | -30.8% |
| Oklahoma | $1,006 | $26 | 2.7% |
| Oregon | $898 | -$82 | -8.4% |
| Pennsylvania | $934 | -$46 | -4.7% |
| Rhode Island | $1,308 | $328 | 33.5% |
| South Carolina | $888 | -$92 | -9.4% |
| South Dakota | $826 | -$154 | -15.7% |
| Tennessee | $858 | -$122 | -12.4% |
| Texas | $1,184 | $204 | 20.8% |
| Utah | $726 | -$254 | -25.9% |
| Vermont | $670 | -$310 | -31.6% |
| Virginia | $588 | -$392 | -40.0% |
| Washington | $760 | -$220 | -22.4% |
| West Virginia | $898 | -$82 | -8.4% |
| Wisconsin | $678 | -$302 | -30.8% |
| Wyoming | $874 | -$106 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could save up to $250 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,200 to $1,700 additional annually, depending on your age. Buick Lucerne insurance for high-risk drivers can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $948 | $79 |
| Buick Lucerne CXL | $964 | $80 |
| Buick Lucerne CXL Special Edition | $980 | $82 |
| Buick Lucerne Super | $996 | $83 |
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 | $198 | $300 | $478 | $1,134 |
| 2010 Buick Lucerne | $184 | $274 | $474 | $1,090 |
| 2009 Buick Lucerne | $174 | $250 | $474 | $1,056 |
| 2008 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2007 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2006 Buick Lucerne | $162 | $208 | $452 | $980 |
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 the Right Buick Lucerne Insurance
Finding better rates on Buick Lucerne insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The items below are a quick rundown of the primary concepts that were presented in the illustrations above.
- Drivers can save up to $110 per year just by quoting online well ahead of the renewal date
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,120 more every year to insure their Lucerne
- Increasing policy deductibles can save around $250 each year
- Teen drivers are charged the highest prices, as much as $329 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,944 |
| 20 | $2,240 |
| 30 | $996 |
| 40 | $980 |
| 50 | $900 |
| 60 | $880 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,140 |
| $250 | $1,068 |
| $500 | $980 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $980 |
| 50/100 | $1,086 |
| 100/300 | $1,199 |
| 250/500 | $1,493 |
| 100 CSL | $1,132 |
| 300 CSL | $1,380 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,550 |
| 20 | $3,564 |
| 30 | $2,120 |
| 40 | $2,104 |
| 50 | $2,012 |
| 60 | $1,992 |
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 | $49 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $381 |
Discounts are estimated and may not be available from every company or in every state.
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