Buick Lucerne Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
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.
Estimated insurance rates for a Buick Lucerne are $980 a year for full coverage insurance. Comprehensive costs on average $162, collision insurance costs $208, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $2,104. Teenage drivers pay the most at up to $3,944 a year.
Average premium for full coverage: $980
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Lucerne models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Buick Lucerne range from as low as $504 for basic liability insurance to the much higher price of $2,104 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, instead of using average rates.
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.
Rate Comparisons
The chart below illustrates average Buick Lucerne insurance rates for different risk profiles and scenarios.
- The best discount rate is $599
- Using higher $1,000 deductibles will save around $84 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $980
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,140
- Drivers who are prone to accidents and violations could pay upwards of $2,104
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $3,944 or more
Auto insurance prices for a Buick Lucerne also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $3,900 a year. View Rates by Age
Where you choose to live has a huge impact on Buick Lucerne insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,330 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $250 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Buick Lucerne insurance for high-risk drivers can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
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 Find the Right Buick Lucerne Insurance
Finding better rates on car insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $329 per month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions pay an average of $1,120 more each year than a driver with a clean driving record
- Increasing policy deductibles can save around $250 each year
- It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
