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How Much are Buick Lucerne Insurance Rates?

Average Buick Lucerne insurance rates cost $1,258 a year, or around $105 a month. This is about $261 less per year than the average vehicle. Mature drivers with good driving records may find rates as low as $739 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 22, 2020

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Key takeaways:

  • Full coverage costs around $1,258 a year or $105 each month
  • A liability-only policy costs around $505 a year or $42 each month
  • Highest rates are for teenage drivers at around $4,598 a year or $383 each month
  • How can you make your insurance cheaper? Good drivers can save as much as $519 a year by earning policy discounts
  • Buick Lucerne insurance costs around $261 less per year than the average vehicle

Buick Lucerne insurance rates average about $261 less per year than the average American vehicle. Full coverage for the Buick Lucerne is around $1,258 a year or $105 a month, but you can qualify for up to $519 a year in discounts by staying safe and claim-free. We’re going to look at Buick Lucerne insurance rates, safety features, and more.

You can start comparing quotes for Buick Lucerne car insurance rates from some of the best car insurance companies by using our free online tool now.

Buick Lucerne Insurance Cost

The average Buick Lucerne car insurance rates are $1,258 a year or $105 a month.

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Are Buick Lucernes Expensive to Insure?

The chart below details how Buick Lucerne insurance rates compare to other sedans like the Nissan Altima, Cadillac CTS, and Ford Focus.

Vehicle Comprehensive Collision Liability Total
Nissan Altima $306 $570 $390 $1,424
Cadillac CTS $320 $626 $398 $1,502
Ford Focus $244 $536 $398 $1,336
Toyota Camry $294 $570 $390 $1,412
Volkswagen Passat $332 $600 $390 $1,480
Toyota Corolla $294 $542 $390 $1,384

However, there are a few things you can do to find the cheapest Buick insurance rates online.

What Impacts the Cost of Buick Lucerne Insurance?

The Buick Lucerne trim and model you choose can impact the total price you will pay for Buick Lucerne car insurance coverage.

Age of the Vehicle

The average Buick Lucerne car insurance rates are higher for newer models. For example, car insurance rates for a 2011 Buick Lucerne are $1,258, while 2010 Buick Lucerne rates are $1,228, a difference of $30.

Model Year Comprehensive Collision Liability Total
2011 Buick Lucerne $232 $408 $460 $1,258
2010 Buick Lucerne $224 $382 $464 $1,228

Driver Age

Driver age can have a significant impact on Buick Lucerne auto insurance rates. For instance, a 30-year-old driver may pay $55 more each year for Buick Lucerne auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Buick Lucerne insurance rates. For example, drivers in Los Angeles may pay $465 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Buick Lucerne auto insurance. Teens and drivers in their 20’s see the highest jump in their Buick Lucerne auto insurance rates with violations on their driving record.

Buick Lucerne Safety Ratings

Your Buick Lucerne car insurance rates are influenced by the safety ratings of the Buick Lucerne. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Average
Roof strength Not Tested
Head restraints and seats Moderate
Source: Insurance Institute for Highway Safety

Buick Lucerne Crash Test Ratings

Buick Lucerne crash test ratings can impact your Buick Lucerne car insurance rates. See Buick Lucerne crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Buick Lucerne 4 5 2 5
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Buick Lucerne Safety Features

Having a variety of safety features on your Buick Lucerne can help lower your insurance costs. According to US News, the 2020 Buick Lucerne’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Buick Lucerne Finance and Insurance Cost

If you are financing a Buick Lucerne, you will pay more if you purchase Buick Lucerne car insurance at the dealership, so be sure to shop around and compare Buick Lucerne car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Buick Lucerne Insurance

There are many ways that you can save on Buick Lucerne car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Buick Lucerne car insurance rates low.

  • Check the Odometer on Your Buick Lucerne
  • Take Public Transit Instead of Driving Your Buick Lucerne
  • Tell Your Insurer About Different Drivers or Uses for Your Buick Lucerne
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Ask Your Insurance Company About Buick Lucerne Discounts

Top Buick Lucerne Insurance Companies

Who is the best auto insurance company for Buick Lucerne insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Buick Lucerne auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Buick Lucerne offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Buick Lucerne Insurance Quotes Online

You can start comparing quotes for Buick Lucerne insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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