Buick Lucerne Insurance Rates

Estimated insurance rates for a Buick Lucerne are $950 a year for full coverage insurance. Comprehensive costs approximately $148 each year, collision costs $198, and liability insurance costs around $446. Liability-only coverage costs as low as $500 a year, with high-risk coverage costing around $2,048. Teenage drivers pay the most at $3,864 a year or more.

Average premium for full coverage: $950

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Lucerne models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences illustrate why all drivers should compare prices using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates estimated Buick Lucerne insurance rates for additional coverage and risk scenarios.

• The best discount rate is $580
• Using higher $1,000 deductibles will save $78 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $950
• Using low deductibles for physical damage coverage bumps up the cost to $1,102
• Drivers who are prone to accidents and violations could pay around $2,048 or more
• An auto insurance policy that insures a teen driver can cost $3,864 or more

View Chart as Image

Insurance prices for a Buick Lucerne also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Buick Lucerne insurance rates. A driver around age 40 might see prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,290 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $230 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Buick Lucerne Insurance

Finding better rates on Buick Lucerne insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every other policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

Below is a review of the ideas that were touched on above.

• Teenage drivers are expensive to insure, with premiums being up to $322 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,100 more per year for auto insurance
• Increasing policy deductibles can save approximately $225 each year
• It is possible to save around $100 per year simply by quoting online in advance