Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Buick Lucerne are $1,002 annually for full coverage. Comprehensive costs on average $166 each year, collision insurance costs $218, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs around $2,154. Teen drivers receive the highest rates at up to $4,028 a year.
Average premium for full coverage: $1,002
Rate estimates by individual coverage type:
Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Lucerne models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $510 for a discount liability-only rate to a high rate of $2,154 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.
These examples show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price 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.
Rates by State, City, and Model
The chart below shows average Buick Lucerne insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $607
- Choosing higher $1,000 deductibles can save around $88 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,002
- Choosing low deductibles for comp and collision coverage will cost $1,168
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,154
- The cost with full coverage for a 16-year-old driver may cost $4,028 each year
Insurance rates for a Buick Lucerne can also vary considerably based on the trim level of your Lucerne, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $260 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Buick Lucerne insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,430 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Right Buick Lucerne Insurance
Saving money on insurance for a Buick Lucerne takes having a good driving record, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a quick rundown of the ideas that were presented in the illustrations above.
- Drivers age 20 and younger pay higher rates, costing as high as $336 per month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,150 more each year to buy Buick Lucerne insurance
- Increasing deductibles could save up to $250 each year
- Drivers can save as much as $110 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,168 |
| $250 | $1,092 |
| $500 | $1,002 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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