Buick Lucerne Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jan 22, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Buick Lucerne are $1,018 a year with full coverage. Comprehensive insurance costs an estimated $168 a year, collision insurance costs $224, and liability coverage costs $468. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs $2,192 or more. 16-year-old drivers receive the highest rates at up to $4,096 a year.
Average premium for full coverage: $1,018
Rate estimates broken down by individual coverage type:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Lucerne trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $518 for the bare minimum liability coverage to a high of $2,192 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.
These examples demonstrate why it is important to compare rates for a targeted area, rather than using rate averages.
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 Information
The chart below details average Buick Lucerne insurance rates for other coverage scenarios.
- The best full coverage rate is $616
- Drivers who choose higher $1,000 deductibles will pay approximately $928 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,018
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $170 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,192
- The cost that insures a teenage driver can cost as much as $4,096 a year
Car insurance rates for a Buick Lucerne can also vary considerably based on the trim level of your Lucerne, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,000 a year. View Rates by Age
Where you live makes a big difference in Buick Lucerne insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,380 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $922 | -$96 | -9.4% |
| Alaska | $782 | -$236 | -23.2% |
| Arizona | $846 | -$172 | -16.9% |
| Arkansas | $1,018 | -$0 | 0.0% |
| California | $1,162 | $144 | 14.1% |
| Colorado | $974 | -$44 | -4.3% |
| Connecticut | $1,048 | $30 | 2.9% |
| Delaware | $1,154 | $136 | 13.4% |
| Florida | $1,276 | $258 | 25.3% |
| Georgia | $938 | -$80 | -7.9% |
| Hawaii | $730 | -$288 | -28.3% |
| Idaho | $690 | -$328 | -32.2% |
| Illinois | $760 | -$258 | -25.3% |
| Indiana | $766 | -$252 | -24.8% |
| Iowa | $688 | -$330 | -32.4% |
| Kansas | $970 | -$48 | -4.7% |
| Kentucky | $1,390 | $372 | 36.5% |
| Louisiana | $1,508 | $490 | 48.1% |
| Maine | $630 | -$388 | -38.1% |
| Maryland | $838 | -$180 | -17.7% |
| Massachusetts | $814 | -$204 | -20.0% |
| Michigan | $1,770 | $752 | 73.9% |
| Minnesota | $852 | -$166 | -16.3% |
| Mississippi | $1,220 | $202 | 19.8% |
| Missouri | $902 | -$116 | -11.4% |
| Montana | $1,094 | $76 | 7.5% |
| Nebraska | $804 | -$214 | -21.0% |
| Nevada | $1,222 | $204 | 20.0% |
| New Hampshire | $734 | -$284 | -27.9% |
| New Jersey | $1,140 | $122 | 12.0% |
| New Mexico | $902 | -$116 | -11.4% |
| New York | $1,074 | $56 | 5.5% |
| North Carolina | $586 | -$432 | -42.4% |
| North Dakota | $836 | -$182 | -17.9% |
| Ohio | $704 | -$314 | -30.8% |
| Oklahoma | $1,046 | $28 | 2.8% |
| Oregon | $934 | -$84 | -8.3% |
| Pennsylvania | $972 | -$46 | -4.5% |
| Rhode Island | $1,360 | $342 | 33.6% |
| South Carolina | $922 | -$96 | -9.4% |
| South Dakota | $860 | -$158 | -15.5% |
| Tennessee | $892 | -$126 | -12.4% |
| Texas | $1,228 | $210 | 20.6% |
| Utah | $754 | -$264 | -25.9% |
| Vermont | $696 | -$322 | -31.6% |
| Virginia | $610 | -$408 | -40.1% |
| Washington | $788 | -$230 | -22.6% |
| West Virginia | $934 | -$84 | -8.3% |
| Wisconsin | $704 | -$314 | -30.8% |
| Wyoming | $910 | -$108 | -10.6% |
Opting for high physical damage deductibles could save up to $260 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $982 | $82 |
| Buick Lucerne CXL | $1,002 | $84 |
| Buick Lucerne CXL Special Edition | $1,018 | $85 |
| Buick Lucerne Super | $1,034 | $86 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Buick Lucerne | $202 | $330 | $474 | $1,164 |
| 2010 Buick Lucerne | $198 | $300 | $478 | $1,134 |
| 2009 Buick Lucerne | $184 | $274 | $474 | $1,090 |
| 2008 Buick Lucerne | $174 | $250 | $474 | $1,056 |
| 2007 Buick Lucerne | $168 | $224 | $468 | $1,018 |
| 2006 Buick Lucerne | $166 | $218 | $460 | $1,002 |
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 Find Cheap Buick Lucerne Insurance
Saving money on auto insurance not only requires having a good driving record, but also having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a brief summary of the ideas that were illustrated above.
- Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $341 per month if full coverage is purchased
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,170 more annually to buy Buick Lucerne insurance
- Increasing deductibles can save approximately $250 each year
- You may be able to save approximately $110 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,096 |
| 20 | $2,330 |
| 30 | $1,038 |
| 40 | $1,018 |
| 50 | $934 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,188 |
| $250 | $1,110 |
| $500 | $1,018 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,018 |
| 50/100 | $1,128 |
| 100/300 | $1,245 |
| 250/500 | $1,549 |
| 100 CSL | $1,174 |
| 300 CSL | $1,432 |
| 500 CSL | $1,619 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,768 |
| 20 | $3,712 |
| 30 | $2,210 |
| 40 | $2,192 |
| 50 | $2,096 |
| 60 | $2,074 |
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 | $52 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $37 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $402 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
