Compare Cheap Buick Lucerne Insurance Quotes

Average car insurance rates for a Buick Lucerne cost $1,258 a year, or around $105 a month. Finding Buick Lucerne teenager insurance rates can cost on average $4,598 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 8, 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
  • 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 car insurance rates cost drivers an average of $1,258 a year, which comes down to about $105 per month. Some of the factors that determine Buick Lucerne rates include the age of both the driver and vehicle, as well as the safety features of the model.

Take a look through this comprehensive article to learn more about Buick Lucerne insurance rates. It will help you as you start comparing policies from different companies.

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 Chevrolet Malibu, Ford Focus, and Audi A3.

Vehicle Comprehensive Collision Liability Total
Chevrolet Malibu $322 $532 $372 $1,384
Ford Focus $244 $536 $398 $1,336
Audi A3 $282 $566 $398 $1,404
Cadillac CTS $320 $626 $398 $1,502
Chrysler 300 $332 $626 $398 $1,514
Nissan Altima $306 $570 $390 $1,424
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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 will affect the total price you will pay for Buick Lucerne insurance coverage.

Age of the Vehicle

The average Buick Lucerne auto insurance rates are higher for newer models. For example, auto insurance rates for a 2011 Buick Lucerne cost $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
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Driver Age

Driver age can have a significant impact on the cost of Buick Lucerne auto insurance. For example, 20-year-old drivers pay as much as $1,594 more each year for their Buick Lucerne auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Buick Lucerne insurance rates. For example, drivers in Jacksonville may pay $755 a year more than drivers in Indianapolis.

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 sees the highest jump in their Buick Lucerne car insurance with violations on their driving record.

Buick Lucerne Safety Ratings

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

Test Type Rating
Moderate overlap front Good
Side Acceptable
Roof strength N/R
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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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 Stars 4 Stars 2 Stars 5 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Buick Lucerne Safety Features

Most drivers don’t realize that not only do Buick Lucerne safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Buick Lucerne auto insurance rates. The 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, most lenders will require your carry higher Buick Lucerne coverage options including comprehensive coverage, so be sure to shop around and compare Buick Lucerne auto insurance quotes from the best auto insurance companies using our FREE tool below.

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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.

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Buick Lucerne
  • Get Married and Ask for a Discount
  • Ask About a Student Away from Home Discount
  • Remove Young Drivers from Your Buick Lucerne Insurance Plan
  • Buy An Older Buick Lucerne

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
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Compare Free Buick Lucerne Insurance Quotes Online

Save on your Buick Lucerne car insurance rates by taking advantage of our FREE comparison tool.

Read on to learn about the various aspects of car insurance that affect the Buick Lucerne cost.

The first thing a car insurance company looks at is the make and model of the car being insured.

Every insurance company must determine the market value of the car at the time it is being insured. Some use the Kelley Blue Book as well as other well-known resources.

Interestingly enough, your insurance premium will not go down commensurate with the retail value of your vehicle; it will be charged according to the value that was established at the time the car was first insured.

Another thing that insurance companies consider is the cost of repairs if a car is damaged but not totaled.

Some cars are more expensive to repair than others. Each insurance company uses a variety of resources as well as their own formulas to determine average repair costs.

The Buick Lucerne is considered an entry-level luxury car with repair costs slightly higher than those of less expensive vehicles.

Enter your ZIP code above to start your search for car insurance rates online!

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What are the Safety Ratings for a Buick Lucerne?

Safety ratings play an important part in insurance costs for any vehicle. The insurance company must weigh the risk of bodily injury which could result in a claim against the company.

Therefore, the safer the car the lower the risk of a bodily injury claim. Conversely, the less safe a car is the more likely occupants will be injured in an accident and file an injury claim.

Vehicles deemed to be safer tend to have lower insurance costs.

Owners of the Buick Lucerne can take comfort in knowing it has very high safety ratings.

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Recommended Insurance Coverage for the Buick Lucerne

The best way to determine adequate insurance coverage is to first determine your needs. It is better to seek out a policy that will include everything you need than to base the decision off a monthly payment.

Insurance companies will provide you with a wide range of quotes, so it is best to first determine what you need, then to find a company that will provide you with that coverage for a payment that is acceptable to your budget.

There are three main types of coverage you may want to consider for the Buick Lucerne.

  • Liability   Protects you in the event that you are sued by the injured party, but it will not cover you personally, or your vehicle
  • Collision and comprehensive  Collision pays for damage to your car but comprehensive covers damage to your vehicle for a reason other than collision
  • Uninsured/underinsured motorists  Pays for bodily injury, property damage, or both, depending on the coverage you select

What Other Factors Impact Insurance Costs for a Buick Lucerne?

There are other factors that have an impact on insurance costs.

In addition to the potential loss of a vehicle in an accident, car insurance companies must also consider the likelihood of theft. If your car is stolen, the insurance policy must pay the current value of the car so that it can be replaced by an identical or similar model.

Fortunately, for owners of the Buick Lucerne, theft is not a major concern.

Additional factors that figure into car insurance cost include:

  • Age
  • Sex
  • Geographic location
  • Driving history

Find the best car insurance rates for your Lucerne by typing in your ZIP code below!

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