Buick Lucerne Insurance Rates

The average insurance rates for a Buick Lucerne are $950 a year for full coverage insurance. Comprehensive costs an estimated $148 a year, collision costs $198, and liability costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing around $2,048. Teens cost the most to insure at $3,864 a year or more.

Average premium for full coverage: $950

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Lucerne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $580
• Using higher $1,000 deductibles will save approximately $872 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $950
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,102
• High-risk insureds with serious driving violations could pay up to $2,048 or more
• Policy cost that insures a 16-year-old driver can cost as much as $3,864 or more

View Chart as Image

Insurance rates for a Buick Lucerne also range considerably based on the trim level of your Lucerne, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can be from 41% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

Your home state has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,290 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $230 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance 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 Find the Cheapest Buick Lucerne Insurance

Finding cheaper rates on insurance for a Buick Lucerne requires being a low-risk driver, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates at least every other year by quoting rates from direct insurance companies, and also from local insurance agencies.

The items below are a recap of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,100 more annually to insure their Lucerne
• It is possible to save approximately $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Insureds who want more liability coverage will pay approximately $490 annually to increase from a 30/60 limit to the 250/500 level