Buick Lucerne CX Insurance Rates

U.S. average insurance rates for a Buick Lucerne CX are $1,452 a year for full coverage. Comprehensive costs an estimated $326 each year, collision insurance costs $604, and liability coverage costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs around $3,138. Teenage drivers pay the highest rates at up to $5,318 a year.

Annual premium for full coverage: $1,452

Price estimates broken down by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Buick Lucerne Trim Level

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

These price ranges show why all drivers should compare rates for a targeted area, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Buick Lucerne CX are also quite variable based on the actual cash value of your Lucerne, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

The state you live in makes a big difference in Buick Lucerne CX insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $630 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different.

View Chart as Image

Chart shows Buick Lucerne CX insurance prices for various risks and coverage choices. The cheapest price with discounts is $829. Drivers who use higher $1,000 deductibles will pay $1,240. The average price for a driver around age 40 using $500 deductibles is $1,452. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,862. Drivers with multiple violations and accidents could be charged at least $3,138. The policy rate for full coverage insurance for a teenage driver is $5,318.

View Chart as Image