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...

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UPDATED: Jun 4, 2023

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U.S. average insurance prices for a Buick Lucerne are $1,018 every 12 months including full coverage. Comprehensive costs on average $168 a year, collision insurance costs $224, and liability is estimated at $468. Liability-only insurance costs approximately $518 a year, and high-risk driver insurance costs around $2,192. Teens pay the highest rates at up to $4,096 a year.

Average premium for full coverage: $1,018

Price estimates by individual coverage:

Comprehensive $168
Collision $224
Liability $468

Full coverage includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Lucerne trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Buick Lucerne insurance prices range from the cheapest price of $518 for a discount liability-only rate to a high of $2,192 for high-risk insurance.

Liability Only $518
Full Coverage $1,018
High Risk $2,192

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $764
Small Cities $1,069
Large Cities $1,374

The ranges above highlight why it is important to get quotes based on a specific location and their own driving history, instead of using 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.

Rates by State, City, and Model

The chart below breaks down average Buick Lucerne insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $616
  • Choosing higher $1,000 deductibles can save around $928 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,018
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,188
  • Unlucky drivers with serious driving violations could pay upwards of $2,192
  • The price to insure a teen driver may cost $4,096 each year

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing Buick Lucerne insurance rates range from $616 to $4,096 for full coverage

Car insurance prices for a Buick Lucerne are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Lucerne.

Choosing higher comprehensive and collision insurance deductibles can save as much as $260 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 131% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Buick Lucerne insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.

Buick Lucerne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $922 -$96 -9.4%
Alaska $782 -$236 -23.2%
Arizona $846 -$172 -16.9%
Arkansas $1,018 -$0 0.0%
California $1,162 $144 14.1%
Colorado $974 -$44 -4.3%
Connecticut $1,048 $30 2.9%
Delaware $1,154 $136 13.4%
Florida $1,276 $258 25.3%
Georgia $938 -$80 -7.9%
Hawaii $730 -$288 -28.3%
Idaho $690 -$328 -32.2%
Illinois $760 -$258 -25.3%
Indiana $766 -$252 -24.8%
Iowa $688 -$330 -32.4%
Kansas $970 -$48 -4.7%
Kentucky $1,390 $372 36.5%
Louisiana $1,508 $490 48.1%
Maine $630 -$388 -38.1%
Maryland $838 -$180 -17.7%
Massachusetts $814 -$204 -20.0%
Michigan $1,770 $752 73.9%
Minnesota $852 -$166 -16.3%
Mississippi $1,220 $202 19.8%
Missouri $902 -$116 -11.4%
Montana $1,094 $76 7.5%
Nebraska $804 -$214 -21.0%
Nevada $1,222 $204 20.0%
New Hampshire $734 -$284 -27.9%
New Jersey $1,140 $122 12.0%
New Mexico $902 -$116 -11.4%
New York $1,074 $56 5.5%
North Carolina $586 -$432 -42.4%
North Dakota $836 -$182 -17.9%
Ohio $704 -$314 -30.8%
Oklahoma $1,046 $28 2.8%
Oregon $934 -$84 -8.3%
Pennsylvania $972 -$46 -4.5%
Rhode Island $1,360 $342 33.6%
South Carolina $922 -$96 -9.4%
South Dakota $860 -$158 -15.5%
Tennessee $892 -$126 -12.4%
Texas $1,228 $210 20.6%
Utah $754 -$264 -25.9%
Vermont $696 -$322 -31.6%
Virginia $610 -$408 -40.1%
Washington $788 -$230 -22.6%
West Virginia $934 -$84 -8.3%
Wisconsin $704 -$314 -30.8%
Wyoming $910 -$108 -10.6%

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 $982 $82
Buick Lucerne CXL $1,002 $84
Buick Lucerne CXL Special Edition $1,018 $85
Buick Lucerne Super $1,034 $86

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 $202 $330 $474 $1,164
2010 Buick Lucerne $198 $300 $478 $1,134
2009 Buick Lucerne $184 $274 $474 $1,090
2008 Buick Lucerne $174 $250 $474 $1,056
2007 Buick Lucerne $168 $224 $468 $1,018
2006 Buick Lucerne $166 $218 $460 $1,002

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 More Affordable Buick Lucerne Insurance

Getting lower rates on car insurance takes having a good driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the material that was raised in the charts and tables above.

  • Policyholders who require increased levels of liability coverage will pay approximately $520 per year to raise limits from a low limit to a 250/500 level
  • Drivers age 20 and younger are expensive to insure, possibly costing $341 a month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,170 more each year to buy Buick Lucerne insurance
  • Increasing physical damage deductibles could save as much as $250 each year

Rates by Driver Age

Buick Lucerne Insurance Rates by Driver Age
Driver Age Premium
16 $4,096
20 $2,330
30 $1,038
40 $1,018
50 $934
60 $914

Full coverage, $500 deductibles

Rates by Deductible

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,188
$250 $1,110
$500 $1,018
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,018
50/100 $1,128
100/300 $1,245
250/500 $1,549
100 CSL $1,174
300 CSL $1,432
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lucerne Insurance Rates for High Risk Drivers
Age Premium
16 $5,768
20 $3,712
30 $2,210
40 $2,192
50 $2,096
60 $2,074

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 $136

Potential Rate Discounts

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

Discount Savings
Multi-policy $52
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $62
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $45
Online Quote $69
Total Discounts $402
Rate after discounts $616

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

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