Buick Lucerne Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Buick Lucerne are $980 annually with full coverage. Comprehensive costs on average $162 a year, collision costs $208, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,104. Teens receive the highest rates at $3,944 a year or more.
Average premium for full coverage: $980
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Lucerne trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $504 for a discount liability-only rate to a high of $2,104 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects car insurance rates.
These examples demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying 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.
Rates by State, City, and Model
The chart below details estimated Buick Lucerne insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $599
- Choosing higher $1,000 deductibles can save around $896 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $980
- Selecting low $100 deductibles for comp and collision coverage will cost $1,140
- High-risk insureds with serious driving violations could pay upwards of $2,104 or more
- The cost with full coverage for a teen driver may cost $3,944 each year
Car insurance rates for a Buick Lucerne can also vary considerably based on the trim level of your Lucerne, your driving record, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $250 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Buick Lucerne insurance rates. A good driver about age 40 could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,330 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $886 | -$94 | -9.6% |
| Alaska | $752 | -$228 | -23.3% |
| Arizona | $814 | -$166 | -16.9% |
| Arkansas | $980 | -$0 | 0.0% |
| California | $1,118 | $138 | 14.1% |
| Colorado | $936 | -$44 | -4.5% |
| Connecticut | $1,008 | $28 | 2.9% |
| Delaware | $1,110 | $130 | 13.3% |
| Florida | $1,226 | $246 | 25.1% |
| Georgia | $904 | -$76 | -7.8% |
| Hawaii | $704 | -$276 | -28.2% |
| Idaho | $664 | -$316 | -32.2% |
| Illinois | $730 | -$250 | -25.5% |
| Indiana | $738 | -$242 | -24.7% |
| Iowa | $660 | -$320 | -32.7% |
| Kansas | $932 | -$48 | -4.9% |
| Kentucky | $1,338 | $358 | 36.5% |
| Louisiana | $1,450 | $470 | 48.0% |
| Maine | $604 | -$376 | -38.4% |
| Maryland | $808 | -$172 | -17.6% |
| Massachusetts | $784 | -$196 | -20.0% |
| Michigan | $1,704 | $724 | 73.9% |
| Minnesota | $820 | -$160 | -16.3% |
| Mississippi | $1,174 | $194 | 19.8% |
| Missouri | $870 | -$110 | -11.2% |
| Montana | $1,052 | $72 | 7.3% |
| Nebraska | $774 | -$206 | -21.0% |
| Nevada | $1,176 | $196 | 20.0% |
| New Hampshire | $706 | -$274 | -28.0% |
| New Jersey | $1,098 | $118 | 12.0% |
| New Mexico | $868 | -$112 | -11.4% |
| New York | $1,032 | $52 | 5.3% |
| North Carolina | $566 | -$414 | -42.2% |
| North Dakota | $802 | -$178 | -18.2% |
| Ohio | $678 | -$302 | -30.8% |
| Oklahoma | $1,006 | $26 | 2.7% |
| Oregon | $898 | -$82 | -8.4% |
| Pennsylvania | $934 | -$46 | -4.7% |
| Rhode Island | $1,308 | $328 | 33.5% |
| South Carolina | $888 | -$92 | -9.4% |
| South Dakota | $826 | -$154 | -15.7% |
| Tennessee | $858 | -$122 | -12.4% |
| Texas | $1,184 | $204 | 20.8% |
| Utah | $726 | -$254 | -25.9% |
| Vermont | $670 | -$310 | -31.6% |
| Virginia | $588 | -$392 | -40.0% |
| Washington | $760 | -$220 | -22.4% |
| West Virginia | $898 | -$82 | -8.4% |
| Wisconsin | $678 | -$302 | -30.8% |
| Wyoming | $874 | -$106 | -10.8% |
With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Lucerne CX | $948 | $79 |
| Buick Lucerne CXL | $964 | $80 |
| Buick Lucerne CXL Special Edition | $980 | $82 |
| Buick Lucerne Super | $996 | $83 |
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 | $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 Buy the Best Cheap Buick Lucerne Insurance
Saving money on Buick Lucerne insurance takes being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save as much as $110 per year simply by quoting early and online
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,120 more each year to insure their Lucerne
- Increasing deductibles could save up to $250 each year
- Teen drivers are expensive to insure, with premiums as much as $329 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,944 |
| 20 | $2,240 |
| 30 | $996 |
| 40 | $980 |
| 50 | $900 |
| 60 | $880 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,140 |
| $250 | $1,068 |
| $500 | $980 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $980 |
| 50/100 | $1,086 |
| 100/300 | $1,199 |
| 250/500 | $1,493 |
| 100 CSL | $1,132 |
| 300 CSL | $1,380 |
| 500 CSL | $1,561 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,550 |
| 20 | $3,564 |
| 30 | $2,120 |
| 40 | $2,104 |
| 50 | $2,012 |
| 60 | $1,992 |
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 | $49 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $381 |
Discounts are estimated and may not be available from every company or in every state.
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