Buick Lucerne Insurance Rates

The average auto insurance rates for a Buick Lucerne are $932 annually with full coverage. Comprehensive costs an estimated $144 a year, collision costs $188, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,002. Teenage drivers cost the most to insure at $3,796 a year or more.

Average premium for full coverage: $932

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Lucerne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below details estimated Buick Lucerne insurance rates for other coverage scenarios.

• The best discount rate is $571
• Drivers who choose higher $1,000 deductibles will pay approximately $854 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $932
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,074
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,002 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,796 a year

View Chart as Image

Auto insurance rates for a Buick Lucerne also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Buick Lucerne insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,260 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy Low Cost Buick Lucerne Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the ideas that were touched on in this article.

• Drivers under the age of 20 are the costliest to insure, as much as $316 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,070 more annually to insure a Buick Lucerne
• Increasing comprehensive and collision deductibles could save up to $225 each year
• You may be able to save approximately $100 per year simply by quoting early and online