Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Buick Lucerne are $980 a year for full coverage insurance. Comprehensive costs an estimated $162 a year, collision costs $208, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing around $2,104. Teen drivers pay the most at $3,944 a year or more.
Average premium for full coverage: $980
Premium estimates broken down by type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Lucerne trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Buick Lucerne go from as low as $504 for basic liability insurance to a high of $2,104 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, 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.
Rate Comparisons
The chart below illustrates estimated Buick Lucerne insurance rates for other coverage scenarios.
- The lowest rate with discounts is $599
- Using higher $1,000 deductibles will save approximately $896 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $980
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,140
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,104 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $3,944 or more
Insurance prices for a Buick Lucerne also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age
Where you choose to live has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see prices as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,330 on average in Florida, New York, and Michigan.
| 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 high deductibles could cut prices by as much as $250 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy can be from 43% to 136% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.
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
Finding better rates on insurance for a Buick Lucerne requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a recap of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,120 more annually to insure their Lucerne
- Teen drivers are expensive to insure, with premiums being up to $329 per month including comprehensive and collision insurance
- It is possible to save approximately $110 per year simply by quoting early and online
- Increasing policy deductibles can save around $250 each year
- It is possible to save approximately $110 per year simply by quoting early and online
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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