Buick Lucerne Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Buick Lucerne are $950 annually for full coverage insurance. Comprehensive costs around $148, collision insurance costs $198, and liability coverage costs $446. A liability-only policy costs as little as $500 a year, and high-risk insurance costs around $2,048. 16-year-old drivers pay the most at up to $3,864 a year.

Average premium for full coverage: $950

Premium estimates for type of coverage:

Comprehensive $148
Collision $198
Liability $446

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Lucerne trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Buick Lucerne range from as cheap as $500 for the bare minimum liability coverage to a much higher rate of $2,048 for a driver who has had serious violations or accidents.

Liability Only $500
Full Coverage $950
High Risk $2,048

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $713
Small Cities $998
Large Cities $1,283

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using rate 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.

Additional Rate Information

The chart below illustrates average Buick Lucerne insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $580
  • Drivers who choose higher $1,000 deductibles will pay about $78 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $950
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,102
  • High-risk insureds with multiple tickets or accidents could pay at least $2,048
  • An auto insurance policy with full coverage for a teenage driver with full coverage can be $3,864 a year

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing Buick Lucerne insurance rates range from $580 to $3,864 for full coverage

Auto insurance prices for a Buick Lucerne also have a wide range based on the model of your Lucerne, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance can cost around 41% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $230 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Buick Lucerne insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,290 on average in Michigan, New York, and Florida.

Buick Lucerne Insurance Rates by State
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%

View Chart as Image

Buick Lucerne insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Buick Lucerne Insurance Rates by Model and Trim Level
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.

Buick Lucerne Insurance Rates by Model Year
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 Buy Cheaper Buick Lucerne Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The list below is a condensed summary of the ideas that were covered in the charts and tables above.

  • Teenagers are expensive to insure, with premiums being up to $322 per month if full coverage is included
  • Drivers with multiple at-fault accidents pay on average $1,100 more every year for car insurance
  • Increasing policy deductibles could save up to $225 each year
  • It is possible to save up to $100 per year just by shopping early and online

Rates by Driver Age

Buick Lucerne Insurance 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

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,102
$250 $1,034
$500 $950
$1,000 $872

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
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

Buick Lucerne Insurance 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.

SR-22 Surcharge $126

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
Rate after discounts $580

Discounts are estimated and may not be available from every company or in every state.

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