Best Buick Lucerne Car Insurance in 2024
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jul 29, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Jul 29, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
However, there are a few things you can do to find the cheapest Buick insurance rates online.
Read More:
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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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.
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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.
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
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Frequently Asked Questions
How can I compare insurance rates for a Buick Lucerne?
To compare insurance rates for a Buick Lucerne, you can follow these steps:
- Gather information: Collect details about your Buick Lucerne, including its make, model, year, and any additional features or modifications.
- Research insurance providers: Look for reputable insurance companies that offer coverage in your area.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison tools to obtain quotes for your Buick Lucerne.
- Compare coverage options: Review the coverage options, deductibles, and limits offered by different insurance companies.
- Consider discounts: Inquire about any available discounts that you may qualify for, such as safe driver discounts or multi-policy discounts.
- Assess customer reviews and reputation: Take into account customer reviews and the reputation of the insurance companies you’re considering.
- Make an informed decision: Based on the information gathered, choose an insurance provider that offers the coverage you need at a competitive rate.
What factors can affect Buick Lucerne car insurance rates?
Several factors can influence the cost of car insurance for a Buick Lucerne, including:
- Age and driving experience of the primary driver
- Location and where the vehicle will be primarily parked
- Annual mileage and usage patterns
- Driving record and history of accidents or traffic violations
- Insurance coverage limits and deductibles
- Vehicle make, model, and year
- Safety features and anti-theft devices installed in the car
- The cost of repair or replacement parts for the Buick Lucerne
- Overall claims history of the insurance company
- Credit history of the policyholder (in some states or countries)
Are there any specific discounts available for insuring a Buick Lucerne?
Yes, insurance companies may offer various discounts that can help reduce the cost of insuring a Buick Lucerne. Common discounts include:
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-policy discount: Insuring your Buick Lucerne with the same company that provides your home or other insurance policies can often lead to a multi-policy discount.
- Anti-theft device discount: Installing anti-theft devices, such as alarms or tracking systems, in your Buick Lucerne may qualify you for a discount.
- Good student discount: If you or a family member who drives the Buick Lucerne is a student with good grades, you might be eligible for a discount.
- Low mileage discount: If you don’t drive your Buick Lucerne frequently, you could be eligible for a low mileage discount.
- Affiliation or group discounts: Some insurance companies offer discounts to members of certain organizations, professional associations, or alumni groups.
Are Buick Lucerne car insurance rates generally high or low?
The cost of insurance for a Buick Lucerne can vary depending on multiple factors, including the ones mentioned earlier. Generally, the Buick Lucerne is a midsize sedan that is known for its safety features and comfort, which can potentially contribute to lower insurance rates. However, the specific insurance rates will depend on factors such as the driver’s profile, location, coverage options, and the insurance company’s individual pricing algorithms. To get accurate insurance rates, it’s recommended to obtain quotes from multiple insurance providers.
Can I get insurance coverage for a leased or financed Buick Lucerne?
Yes, it is generally required to have insurance coverage for a leased or financed Buick Lucerne. Leasing companies and lenders typically require comprehensive and collision coverage to protect their investment in the vehicle. It’s important to check the specific insurance requirements outlined in your lease or financing agreement and ensure you have the necessary coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.