Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Buick Lucerne are $950 every 12 months for full coverage. Comprehensive costs approximately $148 each year, collision costs $198, and liability insurance is $446. A policy with only liability insurance costs around $500 a year, with a high-risk policy costing around $2,048. 16-year-old drivers pay the most at $3,864 a year or more.
Average premium for full coverage: $950
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Lucerne models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Buick Lucerne go from the cheapest price of $500 for just the minimum liability insurance to a high rate of $2,048 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences show why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on 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 Analysis
The chart below shows estimated Buick Lucerne insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $580
- Raising to $1,000 deductibles will save $78 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $950
- Buying low deductibles increases the price to $1,102
- Higher-risk drivers with multiple tickets or accidents could pay around $2,048 or more
- An auto insurance policy to insure a teen driver can cost $3,864
Car insurance prices for a Buick Lucerne also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Lucerne.
Opting for high physical damage deductibles can reduce prices by up to $230 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $402 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Buick Lucerne insurance rates. A middle-age driver might find prices as low as $630 a year in states like Iowa, Maine, and Idaho, or at least $1,360 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Buick Lucerne Insurance
Finding better rates on Buick Lucerne insurance consists of being safe and accident-free, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below you'll find a recap of the concepts that were touched on in this article.
- High-risk drivers that have major violations or accidents may pay on average $1,100 more per year than a low-risk driver
- Youthful drivers pay the highest auto insurance prices, as much as $322 per month if the policy includes full coverage
- Drivers can save around $100 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $225 each year
- Drivers can save around $100 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,102 |
| $250 | $1,034 |
| $500 | $950 |
| $1,000 | $872 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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