Buick Lucerne Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance prices for a Buick Lucerne are $950 every 12 months for full coverage. Comprehensive costs an estimated $148 each year, collision insurance costs $198, and liability is estimated at $446. A liability-only policy costs approximately $500 a year, and high-risk insurance costs around $2,048. 16-year-old drivers cost the most to insure at up to $3,864 a year.

Average premium for full coverage: $950

Policy rates broken down by type of insurance:

Comprehensive $148
Collision $198
Liability $446

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Lucerne models.

Price Range Variability

For the average 40-year-old driver, Buick Lucerne insurance rates range from the cheapest price of $500 for liability-only coverage to a high rate of $2,048 for a driver who requires high-risk insurance.

Liability Only $500
Full Coverage $950
High Risk $2,048

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $713
Small Cities $998
Large Cities $1,283

The examples above show why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on 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 Charts and Tables

The chart below shows average Buick Lucerne insurance rates for other coverage scenarios.

  • The best full coverage rate is $580
  • Choosing higher $1,000 deductibles can save approximately $78 a year
  • The average price for a good driver age 40 who has $500 deductibles is $950
  • Buying low deductibles for comp and collision coverage increases the price to $1,102
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,048
  • Policy cost to insure a 16-year-old driver can cost as much as $3,864 each year

View Chart as Image

Buick Lucerne insurance cost comparison chart
Column chart showing Buick Lucerne insurance rates range from $580 to $3,864 for full coverage

Car insurance rates for a Buick Lucerne also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $230 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 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 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 129% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Buick Lucerne insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Iowa, Maine, and Idaho, or at least $1,360 on average in New York, Louisiana, and Michigan.

Buick Lucerne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $862 -$88 -9.3%
Alaska $730 -$220 -23.2%
Arizona $790 -$160 -16.8%
Arkansas $950 -$0 0.0%
California $1,086 $136 14.3%
Colorado $910 -$40 -4.2%
Connecticut $980 $30 3.2%
Delaware $1,078 $128 13.5%
Florida $1,192 $242 25.5%
Georgia $880 -$70 -7.4%
Hawaii $682 -$268 -28.2%
Idaho $642 -$308 -32.4%
Illinois $708 -$242 -25.5%
Indiana $716 -$234 -24.6%
Iowa $642 -$308 -32.4%
Kansas $906 -$44 -4.6%
Kentucky $1,298 $348 36.6%
Louisiana $1,410 $460 48.4%
Maine $588 -$362 -38.1%
Maryland $784 -$166 -17.5%
Massachusetts $762 -$188 -19.8%
Michigan $1,654 $704 74.1%
Minnesota $796 -$154 -16.2%
Mississippi $1,142 $192 20.2%
Missouri $844 -$106 -11.2%
Montana $1,024 $74 7.8%
Nebraska $752 -$198 -20.8%
Nevada $1,142 $192 20.2%
New Hampshire $686 -$264 -27.8%
New Jersey $1,066 $116 12.2%
New Mexico $844 -$106 -11.2%
New York $1,002 $52 5.5%
North Carolina $550 -$400 -42.1%
North Dakota $780 -$170 -17.9%
Ohio $656 -$294 -30.9%
Oklahoma $978 $28 2.9%
Oregon $872 -$78 -8.2%
Pennsylvania $910 -$40 -4.2%
Rhode Island $1,270 $320 33.7%
South Carolina $862 -$88 -9.3%
South Dakota $804 -$146 -15.4%
Tennessee $834 -$116 -12.2%
Texas $1,148 $198 20.8%
Utah $704 -$246 -25.9%
Vermont $654 -$296 -31.2%
Virginia $570 -$380 -40.0%
Washington $736 -$214 -22.5%
West Virginia $872 -$78 -8.2%
Wisconsin $660 -$290 -30.5%
Wyoming $848 -$102 -10.7%

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 $922 $77
Buick Lucerne CXL $936 $78
Buick Lucerne CXL Special Edition $950 $79
Buick Lucerne Super $966 $81

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.

Buick Lucerne Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Buick Lucerne $184 $274 $474 $1,090
2010 Buick Lucerne $174 $250 $474 $1,056
2009 Buick Lucerne $168 $224 $468 $1,018
2008 Buick Lucerne $166 $218 $460 $1,002
2007 Buick Lucerne $162 $208 $452 $980
2006 Buick Lucerne $148 $198 $446 $950

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 the Best Buick Lucerne Insurance

Finding cheaper rates on insurance for a Buick Lucerne takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a brief recap of the concepts that were touched on in this article.

  • Drivers considered higher risk who tend to receive serious violations pay on average $1,100 more annually to insure their Lucerne
  • Teen drivers have the highest car insurance rates, costing up to $322 each month if the policy includes full coverage
  • Drivers can save approximately $100 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $225 each year
  • Drivers can save approximately $100 per year just by quoting online in advance

Rates by Driver Age

Buick Lucerne Insurance Rates by Driver Age
Driver Age Premium
16 $3,864
20 $2,182
30 $968
40 $950
50 $876
60 $856

Full coverage, $500 deductibles

Rates by Deductible

Buick Lucerne Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,102
$250 $1,034
$500 $950
$1,000 $872

Full coverage, driver age 40

Rates by Liability Limit

Buick Lucerne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $950
50/100 $1,055
100/300 $1,167
250/500 $1,457
100 CSL $1,100
300 CSL $1,345
500 CSL $1,524

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Lucerne Insurance Rates for High Risk Drivers
Age Premium
16 $5,432
20 $3,472
30 $2,062
40 $2,048
50 $1,958
60 $1,938

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 $126

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $59
Paid in Full/EFT $34
Advance Quote $41
Online Quote $63
Total Discounts $370
Rate after discounts $580

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

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