Buick Lucerne Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Estimated insurance prices for a Buick Lucerne are $932 every 12 months with full coverage. Comprehensive insurance costs on average $144 each year, collision costs $188, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,002 or more. Teenage drivers pay the most at $3,796 a year or more.
Average premium for full coverage: $932
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Lucerne models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Buick Lucerne go from the cheapest price of $496 for just the minimum liability insurance to a high rate of $2,002 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than using average rates.
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.
Additional Rate Analysis
The chart below details estimated Buick Lucerne insurance rates for different risk profiles and scenarios.
- The best discount rate is $571
- Drivers who choose higher $1,000 deductibles will pay around $78 annually
- The average price for a 40-year-old good driver with $500 deductibles is $932
- Using low deductibles for comprehensive and collision insurance costs an extra $142 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,002 or more
- An auto insurance policy to insure a teenage driver may cost $3,796 a year
Auto insurance prices for a Buick Lucerne also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Lucerne.
Using high physical damage deductibles could save up to $220 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $3,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Buick Lucerne insurance rates. A 40-year-old driver could pay as low as $670 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,260 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $844 | -$88 | -9.4% |
| Alaska | $716 | -$216 | -23.2% |
| Arizona | $774 | -$158 | -17.0% |
| Arkansas | $932 | -$0 | 0.0% |
| California | $1,062 | $130 | 13.9% |
| Colorado | $890 | -$42 | -4.5% |
| Connecticut | $960 | $28 | 3.0% |
| Delaware | $1,054 | $122 | 13.1% |
| Florida | $1,168 | $236 | 25.3% |
| Georgia | $860 | -$72 | -7.7% |
| Hawaii | $670 | -$262 | -28.1% |
| Idaho | $632 | -$300 | -32.2% |
| Illinois | $694 | -$238 | -25.5% |
| Indiana | $702 | -$230 | -24.7% |
| Iowa | $628 | -$304 | -32.6% |
| Kansas | $886 | -$46 | -4.9% |
| Kentucky | $1,272 | $340 | 36.5% |
| Louisiana | $1,380 | $448 | 48.1% |
| Maine | $574 | -$358 | -38.4% |
| Maryland | $770 | -$162 | -17.4% |
| Massachusetts | $746 | -$186 | -20.0% |
| Michigan | $1,620 | $688 | 73.8% |
| Minnesota | $780 | -$152 | -16.3% |
| Mississippi | $1,118 | $186 | 20.0% |
| Missouri | $828 | -$104 | -11.2% |
| Montana | $1,002 | $70 | 7.5% |
| Nebraska | $734 | -$198 | -21.2% |
| Nevada | $1,118 | $186 | 20.0% |
| New Hampshire | $672 | -$260 | -27.9% |
| New Jersey | $1,042 | $110 | 11.8% |
| New Mexico | $824 | -$108 | -11.6% |
| New York | $982 | $50 | 5.4% |
| North Carolina | $536 | -$396 | -42.5% |
| North Dakota | $764 | -$168 | -18.0% |
| Ohio | $644 | -$288 | -30.9% |
| Oklahoma | $960 | $28 | 3.0% |
| Oregon | $854 | -$78 | -8.4% |
| Pennsylvania | $890 | -$42 | -4.5% |
| Rhode Island | $1,246 | $314 | 33.7% |
| South Carolina | $844 | -$88 | -9.4% |
| South Dakota | $786 | -$146 | -15.7% |
| Tennessee | $818 | -$114 | -12.2% |
| Texas | $1,122 | $190 | 20.4% |
| Utah | $692 | -$240 | -25.8% |
| Vermont | $638 | -$294 | -31.5% |
| Virginia | $558 | -$374 | -40.1% |
| Washington | $722 | -$210 | -22.5% |
| West Virginia | $854 | -$78 | -8.4% |
| Wisconsin | $646 | -$286 | -30.7% |
| Wyoming | $832 | -$100 | -10.7% |
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $902 | $75 |
| Buick Lucerne CXL | $918 | $77 |
| Buick Lucerne CXL Special Edition | $932 | $78 |
| Buick Lucerne Super | $948 | $79 |
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 | $174 | $250 | $474 | $1,056 |
| 2010 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2009 Buick Lucerne | $166 | $218 | $460 | $1,002 |
| 2008 Buick Lucerne | $162 | $208 | $452 | $980 |
| 2007 Buick Lucerne | $148 | $198 | $446 | $950 |
| 2006 Buick Lucerne | $144 | $188 | $442 | $932 |
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 Shop for Cheaper Buick Lucerne Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to shop around at every policy renewal by requesting rates from direct companies, and also from local exclusive and independent agents.
The following items are a condensed summary of the data raised in the charts and tables above.
- Consumers who require additional liability coverage will pay an extra $490 every year to go from 30/60 bodily injury limits to a 250/500 level
- You may be able to save as much as $100 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $225 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $316 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,796 |
| 20 | $2,134 |
| 30 | $946 |
| 40 | $932 |
| 50 | $856 |
| 60 | $838 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,010 |
| $500 | $932 |
| $1,000 | $854 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $932 |
| 50/100 | $1,036 |
| 100/300 | $1,147 |
| 250/500 | $1,434 |
| 100 CSL | $1,081 |
| 300 CSL | $1,324 |
| 500 CSL | $1,501 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,330 |
| 20 | $3,398 |
| 30 | $2,016 |
| 40 | $2,002 |
| 50 | $1,916 |
| 60 | $1,896 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $361 |
Discounts are estimated and may not be available from every company or in every state.
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