Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Buick Lucerne are $980 a year with full coverage. Comprehensive insurance costs an estimated $162 each year, collision costs $208, and liability is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing $2,104 or more. Teens pay the highest rates at $3,944 a year or more.
Average premium for full coverage: $980
Price estimates broken down by individual coverage:
Includes $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Lucerne models.
Price Range from Low to High
Using a 40-year-old driver as an example, Buick Lucerne insurance prices go from the low end price of $504 for the bare minimum liability coverage to a high rate of $2,104 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, 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.
Additional Rate Information
The chart below details estimated Buick Lucerne insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $599
- Raising to $1,000 deductibles will save approximately $84 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $980
- Selecting low deductibles will cost an additional $160 every year
- At-risk drivers with serious driving violations could pay up to $2,104 or more
- The price that insures a teen driver can cost as much as $3,944
Car insurance prices for a Buick Lucerne are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $3,900 a year. View Rates by Age
The state you live in also has a big influence on Buick Lucerne insurance prices. A middle-age driver might find prices as low as $710 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,330 on average in New York, Michigan, and Florida.
| 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 can reduce prices by up to $250 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, so rate quotes may be quite different.
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 Cheapest Buick Lucerne Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates at least once a year by requesting quotes from direct companies, and also from insurance agencies where you live.
The following is a recap of the primary concepts that were raised in the charts and tables above.
- You may be able to save approximately $110 per year simply by quoting online in advance
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,120 more annually for Lucerne insurance
- Increasing physical damage deductibles can save approximately $250 each year
- Teens have the highest car insurance prices, costing up to $329 a month if full coverage is purchased
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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