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: Jan 22, 2020

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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:

Comprehensive $168
Collision $224
Liability $468

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.

Liability Only $518
Full Coverage $1,018
High Risk $2,192

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.

Rural Areas $764
Small Cities $1,069
Large Cities $1,374

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

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing Buick Lucerne insurance prices range from $616 to $4,096 for full coverage

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.

Buick Lucerne Insurance Rates by State
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%

View Chart as Image

Buick Lucerne insurance rates by U.S. city

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

Buick Lucerne Insurance Rates by Model and Trim Level
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.

Buick Lucerne Insurance Rates by Model Year
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

Rates by Driver Age

Buick Lucerne Insurance 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

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,188
$250 $1,110
$500 $1,018
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
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

Buick Lucerne Insurance 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.

SR-22 Surcharge $136

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
Rate after discounts $616

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

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