Buick Lucerne CXL Insurance Rates

The average insurance rates for a Buick Lucerne CXL are $1,496 a year with full coverage. Comprehensive costs around $340 each year, collision insurance costs $634, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,236. Teen drivers cost the most to insure at up to $5,462 a year.

Annual premium for full coverage: $1,496

Policy rates for 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

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

These price differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance prices for a Buick Lucerne CXL also range considerably based on your risk profile, the actual cash value of your Lucerne, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Buick Lucerne CXL insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $660 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

View Chart as Image

The chart above shows Buick Lucerne CXL insurance rates for various risk profiles and scenarios. The cheapest discount rate is $852. Drivers who choose higher $1,000 deductibles will pay around $1,276. The average rate for a driver age 40 with no violations using $500 deductibles is $1,496. Using lower $100 deductibles for comp and collision coverage could cost up to $1,928. High risk drivers could be charged around $3,236. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $5,462.

View Chart as Image