Buick Lucerne Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The average insurance prices for a Buick Lucerne are $1,002 every 12 months with full coverage. Comprehensive costs around $166, collision costs $218, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,154. 16-year-old drivers cost the most to insure at $4,028 a year or more.

Average premium for full coverage: $1,002

Policy rates for type of insurance:

Comprehensive $166
Collision $218
Liability $460

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Lucerne models.

Price Range Variability

For an average driver, Buick Lucerne insurance rates go from the cheapest price of $510 for minimum levels of liability insurance to the much higher price of $2,154 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,002
High Risk $2,154

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $752
Small Cities $1,052
Large Cities $1,353

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, 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 Details

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

  • The best full coverage rate is $607
  • Raising to $1,000 deductibles will save about $88 annually
  • The average price for a good driver age 40 using $500 deductibles is $1,002
  • Buying pricier low deductibles increases the price to $1,168
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,154 or more
  • Policy cost to insure a teenage driver for full coverage can be $4,028

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing full coverage Buick Lucerne insurance rates range from $607 to $4,028

Insurance rates for a Buick Lucerne also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can reduce rates by up to $260 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 additional every year, depending on your age. Buick Lucerne insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

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 New Hampshire, Ohio, and Utah, or at least $1,350 on average in Florida, Michigan, and New York.

Buick Lucerne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $908 -$94 -9.4%
Alaska $768 -$234 -23.4%
Arizona $832 -$170 -17.0%
Arkansas $1,002 -$0 0.0%
California $1,142 $140 14.0%
Colorado $958 -$44 -4.4%
Connecticut $1,030 $28 2.8%
Delaware $1,134 $132 13.2%
Florida $1,254 $252 25.1%
Georgia $924 -$78 -7.8%
Hawaii $720 -$282 -28.1%
Idaho $678 -$324 -32.3%
Illinois $746 -$256 -25.5%
Indiana $752 -$250 -25.0%
Iowa $676 -$326 -32.5%
Kansas $952 -$50 -5.0%
Kentucky $1,368 $366 36.5%
Louisiana $1,482 $480 47.9%
Maine $618 -$384 -38.3%
Maryland $826 -$176 -17.6%
Massachusetts $802 -$200 -20.0%
Michigan $1,740 $738 73.7%
Minnesota $840 -$162 -16.2%
Mississippi $1,200 $198 19.8%
Missouri $888 -$114 -11.4%
Montana $1,078 $76 7.6%
Nebraska $790 -$212 -21.2%
Nevada $1,202 $200 20.0%
New Hampshire $722 -$280 -27.9%
New Jersey $1,120 $118 11.8%
New Mexico $888 -$114 -11.4%
New York $1,056 $54 5.4%
North Carolina $576 -$426 -42.5%
North Dakota $822 -$180 -18.0%
Ohio $692 -$310 -30.9%
Oklahoma $1,030 $28 2.8%
Oregon $918 -$84 -8.4%
Pennsylvania $956 -$46 -4.6%
Rhode Island $1,338 $336 33.5%
South Carolina $908 -$94 -9.4%
South Dakota $846 -$156 -15.6%
Tennessee $878 -$124 -12.4%
Texas $1,208 $206 20.6%
Utah $742 -$260 -25.9%
Vermont $686 -$316 -31.5%
Virginia $600 -$402 -40.1%
Washington $776 -$226 -22.6%
West Virginia $918 -$84 -8.4%
Wisconsin $694 -$308 -30.7%
Wyoming $892 -$110 -11.0%

View Chart as Image

Buick Lucerne insurance rates by U.S. city

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 $968 $81
Buick Lucerne CXL $984 $82
Buick Lucerne CXL Special Edition $1,002 $84
Buick Lucerne Super $1,020 $85

Rates assume 2007 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 $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 Shop for the Right Buick Lucerne Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The items below are a quick rundown of the primary concepts that were covered in the above illustrations.

  • You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
  • Drivers with reckless driving or DUI convictions pay on average $1,150 more every year to insure their Lucerne
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • Teen drivers are charged the highest rates, as much as $336 each month if full coverage is included

Rates by Driver Age

Buick Lucerne Insurance Rates by Driver Age
Driver Age Premium
16 $4,028
20 $2,292
30 $1,020
40 $1,002
50 $920
60 $900

Full coverage, $500 deductibles

Rates by Deductible

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,092
$500 $1,002
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,002
50/100 $1,112
100/300 $1,227
250/500 $1,526
100 CSL $1,158
300 CSL $1,411
500 CSL $1,595

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lucerne Insurance Rates for High Risk Drivers
Age Premium
16 $5,674
20 $3,650
30 $2,174
40 $2,154
50 $2,060
60 $2,040

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 $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $44
Online Quote $68
Total Discounts $395
Rate after discounts $607

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

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