Buick Lucerne Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance prices for a Buick Lucerne are $1,002 every 12 months for full coverage insurance. Comprehensive insurance costs around $166 each year, collision insurance costs $218, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,154 or more. Teens receive the highest rates at up to $4,028 a year.

Average premium for full coverage: $1,002

Rate estimates for individual coverage type:

Comprehensive $166
Collision $218
Liability $460

Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist coverage. Rates are averaged for all 50 states and Lucerne models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the cheapest price of $510 for only liability insurance to a high rate of $2,154 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,002
High Risk $2,154

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $752
Small Cities $1,052
Large Cities $1,353

These examples illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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.

Insurance Rate Analysis

The chart below illustrates average Buick Lucerne insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $607
  • Drivers who choose higher $1,000 deductibles will pay about $88 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,002
  • Selecting low deductibles for comprehensive and collision insurance costs an extra $166 annually
  • Drivers with serious driving violations could pay at least $2,154
  • The cost to insure a 16-year-old driver can be $4,028 a year

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing Buick Lucerne insurance prices range from $607 to $4,028 for full coverage

Car insurance rates for a Buick Lucerne can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $260 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Buick Lucerne insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,350 on average in Michigan, New York, and Florida.

Buick Lucerne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $908 -$94 -9.4%
Alaska $768 -$234 -23.4%
Arizona $832 -$170 -17.0%
Arkansas $1,002 -$0 0.0%
California $1,142 $140 14.0%
Colorado $958 -$44 -4.4%
Connecticut $1,030 $28 2.8%
Delaware $1,134 $132 13.2%
Florida $1,254 $252 25.1%
Georgia $924 -$78 -7.8%
Hawaii $720 -$282 -28.1%
Idaho $678 -$324 -32.3%
Illinois $746 -$256 -25.5%
Indiana $752 -$250 -25.0%
Iowa $676 -$326 -32.5%
Kansas $952 -$50 -5.0%
Kentucky $1,368 $366 36.5%
Louisiana $1,482 $480 47.9%
Maine $618 -$384 -38.3%
Maryland $826 -$176 -17.6%
Massachusetts $802 -$200 -20.0%
Michigan $1,740 $738 73.7%
Minnesota $840 -$162 -16.2%
Mississippi $1,200 $198 19.8%
Missouri $888 -$114 -11.4%
Montana $1,078 $76 7.6%
Nebraska $790 -$212 -21.2%
Nevada $1,202 $200 20.0%
New Hampshire $722 -$280 -27.9%
New Jersey $1,120 $118 11.8%
New Mexico $888 -$114 -11.4%
New York $1,056 $54 5.4%
North Carolina $576 -$426 -42.5%
North Dakota $822 -$180 -18.0%
Ohio $692 -$310 -30.9%
Oklahoma $1,030 $28 2.8%
Oregon $918 -$84 -8.4%
Pennsylvania $956 -$46 -4.6%
Rhode Island $1,338 $336 33.5%
South Carolina $908 -$94 -9.4%
South Dakota $846 -$156 -15.6%
Tennessee $878 -$124 -12.4%
Texas $1,208 $206 20.6%
Utah $742 -$260 -25.9%
Vermont $686 -$316 -31.5%
Virginia $600 -$402 -40.1%
Washington $776 -$226 -22.6%
West Virginia $918 -$84 -8.4%
Wisconsin $694 -$308 -30.7%
Wyoming $892 -$110 -11.0%

View Chart as Image

Buick Lucerne insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Buick Lucerne Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Buick Lucerne CX $968 $81
Buick Lucerne CXL $984 $82
Buick Lucerne CXL Special Edition $1,002 $84
Buick Lucerne Super $1,020 $85

Rates assume 2007 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.

Buick Lucerne Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Buick Lucerne $198 $300 $478 $1,134
2010 Buick Lucerne $184 $274 $474 $1,090
2009 Buick Lucerne $174 $250 $474 $1,056
2008 Buick Lucerne $168 $224 $468 $1,018
2007 Buick Lucerne $166 $218 $460 $1,002
2006 Buick Lucerne $162 $208 $452 $980

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 Affordable Buick Lucerne Insurance

Saving money on insurance for a Buick Lucerne not only requires being a safe driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Here is a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,150 more every year for insurance
  • It is possible to save up to $110 per year just by quoting online in advance
  • Increasing deductibles could save as much as $250 each year
  • Insureds who may need more liability insurance will pay approximately $510 annually to go from a minimum limit to a 250/500 level

Rates by Driver Age

Buick Lucerne Insurance Rates by Driver Age
Driver Age Premium
16 $4,028
20 $2,292
30 $1,020
40 $1,002
50 $920
60 $900

Full coverage, $500 deductibles

Rates by Deductible

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,168
$250 $1,092
$500 $1,002
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,002
50/100 $1,112
100/300 $1,227
250/500 $1,526
100 CSL $1,158
300 CSL $1,411
500 CSL $1,595

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lucerne Insurance Rates for High Risk Drivers
Age Premium
16 $5,674
20 $3,650
30 $2,174
40 $2,154
50 $2,060
60 $2,040

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.

SR-22 Surcharge $134

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $44
Online Quote $68
Total Discounts $395
Rate after discounts $607

Discounts are estimated and may not be available from every company or in every state.

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