Buick Lucerne Insurance Rates

The average insurance prices for a Buick Lucerne are $932 every 12 months including full coverage. Comprehensive insurance costs an estimated $144, collision costs $188, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $2,002 or more. Teens 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:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Lucerne models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $571
• Drivers who choose higher $1,000 deductibles will pay approximately $78 every year
• The average price for a good driver age 40 who has $500 deductibles is $932
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $142 every year
• Higher-risk drivers with serious driving violations could pay up to $2,002 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $3,796 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $220 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,100 to $1,600 extra every year, depending on your age. Buick Lucerne insurance for high-risk drivers can cost as much as 42% to 131% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Buick Lucerne insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, so the rates will be varied.

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 Shop for the Right Buick Lucerne Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the ideas that were covered in the above illustrations.

• Youthful drivers are charged the highest rates, with premiums being up to $316 each month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,070 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date