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 $950 a year including full coverage. Comprehensive insurance costs an estimated $148 a year, collision insurance costs $198, and liability is estimated at $446. Buying just liability costs approximately $500 a year, and insurance for high-risk drivers costs $2,048 or more. Teen drivers pay the highest rates at up to $3,864 a year.
Average premium for full coverage: $950
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Lucerne trim levels.
Price Range from Low to High
For an average driver, Buick Lucerne insurance prices range from as low as $500 for just liability coverage to a high of $2,048 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why it is important to get quotes for a targeted area and risk profile, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Buick Lucerne insurance rates for other coverage scenarios.
- The lowest rate with discounts is $580
- Choosing higher $1,000 deductibles can save approximately $872 every year
- The average rate for the average middle-age driver who has $500 deductibles is $950
- Choosing low $100 deductibles for comp and collision coverage will cost an extra $152 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,048
- The price for full coverage for a teen driver can cost as much as $3,864 each year
Insurance prices for a Buick Lucerne are also quite variable based on your driving record, the model of your Lucerne, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Buick Lucerne insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,360 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $862 | -$88 | -9.3% |
| Alaska | $730 | -$220 | -23.2% |
| Arizona | $790 | -$160 | -16.8% |
| Arkansas | $950 | -$0 | 0.0% |
| California | $1,086 | $136 | 14.3% |
| Colorado | $910 | -$40 | -4.2% |
| Connecticut | $980 | $30 | 3.2% |
| Delaware | $1,078 | $128 | 13.5% |
| Florida | $1,192 | $242 | 25.5% |
| Georgia | $880 | -$70 | -7.4% |
| Hawaii | $682 | -$268 | -28.2% |
| Idaho | $642 | -$308 | -32.4% |
| Illinois | $708 | -$242 | -25.5% |
| Indiana | $716 | -$234 | -24.6% |
| Iowa | $642 | -$308 | -32.4% |
| Kansas | $906 | -$44 | -4.6% |
| Kentucky | $1,298 | $348 | 36.6% |
| Louisiana | $1,410 | $460 | 48.4% |
| Maine | $588 | -$362 | -38.1% |
| Maryland | $784 | -$166 | -17.5% |
| Massachusetts | $762 | -$188 | -19.8% |
| Michigan | $1,654 | $704 | 74.1% |
| Minnesota | $796 | -$154 | -16.2% |
| Mississippi | $1,142 | $192 | 20.2% |
| Missouri | $844 | -$106 | -11.2% |
| Montana | $1,024 | $74 | 7.8% |
| Nebraska | $752 | -$198 | -20.8% |
| Nevada | $1,142 | $192 | 20.2% |
| New Hampshire | $686 | -$264 | -27.8% |
| New Jersey | $1,066 | $116 | 12.2% |
| New Mexico | $844 | -$106 | -11.2% |
| New York | $1,002 | $52 | 5.5% |
| North Carolina | $550 | -$400 | -42.1% |
| North Dakota | $780 | -$170 | -17.9% |
| Ohio | $656 | -$294 | -30.9% |
| Oklahoma | $978 | $28 | 2.9% |
| Oregon | $872 | -$78 | -8.2% |
| Pennsylvania | $910 | -$40 | -4.2% |
| Rhode Island | $1,270 | $320 | 33.7% |
| South Carolina | $862 | -$88 | -9.3% |
| South Dakota | $804 | -$146 | -15.4% |
| Tennessee | $834 | -$116 | -12.2% |
| Texas | $1,148 | $198 | 20.8% |
| Utah | $704 | -$246 | -25.9% |
| Vermont | $654 | -$296 | -31.2% |
| Virginia | $570 | -$380 | -40.0% |
| Washington | $736 | -$214 | -22.5% |
| West Virginia | $872 | -$78 | -8.2% |
| Wisconsin | $660 | -$290 | -30.5% |
| Wyoming | $848 | -$102 | -10.7% |
Choosing high deductibles can save as much as $230 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 129% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $922 | $77 |
| Buick Lucerne CXL | $936 | $78 |
| Buick Lucerne CXL Special Edition | $950 | $79 |
| Buick Lucerne Super | $966 | $81 |
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 | $184 | $274 | $474 | $1,090 |
| 2010 Buick Lucerne | $174 | $250 | $474 | $1,056 |
| 2009 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2008 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2007 Buick Lucerne | $162 | $208 | $452 | $980 |
| 2006 Buick Lucerne | $148 | $198 | $446 | $950 |
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 Best Cheap Buick Lucerne Insurance
Getting lower rates on car insurance takes having a decent driving record, having a good credit history, being claim-free, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick review of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $100 per year just by quoting early and online
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,100 more annually than a driver with a clean driving record
- Increasing physical damage deductibles can save around $225 each year
- 16 to 18-year-old drivers are expensive to insure, possibly costing $322 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,864 |
| 20 | $2,182 |
| 30 | $968 |
| 40 | $950 |
| 50 | $876 |
| 60 | $856 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,102 |
| $250 | $1,034 |
| $500 | $950 |
| $1,000 | $872 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $950 |
| 50/100 | $1,055 |
| 100/300 | $1,167 |
| 250/500 | $1,457 |
| 100 CSL | $1,100 |
| 300 CSL | $1,345 |
| 500 CSL | $1,524 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,432 |
| 20 | $3,472 |
| 30 | $2,062 |
| 40 | $2,048 |
| 50 | $1,958 |
| 60 | $1,938 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $63 |
| Total Discounts | $370 |
Discounts are estimated and may not be available from every company or in every state.
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