Best Buick Lucerne Car Insurance in 2026 (Find the Top 10 Companies Here)

Erie, Liberty Mutual, and American Family provide the best Buick Lucerne car insurance, with Erie offering rates as low as $45 per month.

Buick Lucerne insurance costs approximately $21 less per month than the average for other vehicles. To find the lowest car insurance quotes, read the article “Safeco Car Insurance Review.”

Our Top 10 Company Picks: Best Buick Lucerne Car Insurance

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

Our free online tool allows you to start entering your ZIP code to compare one of the best car insurance companies now.

#1 – Erie Insurance: Top Overall Pick

Pros

• Affordable Rates: Erie Insurance offers some of the most affordable rates for the best Buick Lucerne car insurance, ensuring you get value for your money.
• Multi-Vehicle Discount: Erie offers a 10% discount for insuring multiple vehicles, helping you secure the best Buick Lucerne car insurance at a lower overall cost.
• High A.M. Best Rating: Erie’s A+ rating for financial strength reinforces its reputation as a provider of reliable and stable Buick Lucerne car insurance. Read more at “Erie Car Insurance Review.”

Cons

• Limited Availability: Erie’s coverage is available in only 12 states, which might restrict some customers’ access to the best Buick Lucerne car insurance.
• Fewer Coverage Options: Erie may offer fewer specialized coverage options, which can make finding the best Buick Lucerne car insurance for specific needs more challenging.

#2 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Liberty Mutual provides a range of comprehensive coverage options, making it a strong contender for the best Buick Lucerne car insurance.
• High Multi-Vehicle Discount: The 25% discount for multiple vehicles ensures you receive competitive pricing for the best Buick Lucerne car insurance.
• Strong A.M. Best Rating: Rated A for financial stability, Liberty Mutual delivers dependable service in securing the best Buick Lucerne car insurance.

Cons

• Higher Rates for Younger Drivers: Liberty Mutual’s rates can be higher for younger drivers, which may impact the affordability of the best Buick Lucerne car insurance.
• Mixed Customer Service Reviews: Some customers report inconsistent service, which affects their experience. Delve more in our article entitled “Liberty Mutual Car Insurance Review.”

#3 – American Family: Best for Reliable Service

Pros

• Reliable Service: Known for its excellent customer service, American Family provides some of the best Buick Lucerne car insurance options with reliable support.
• Good Multi-Vehicle Discount: The 20% discount for multiple vehicles helps you secure cost-effective and competitive rates for the best Buick Lucerne car insurance.
• High A.M. Best Rating: With an A rating for financial strength, American Family ensures dependable service for the best Buick Lucerne car insurance.

Cons

• Higher Premiums for Certain Demographics: Premiums can be higher for some age groups, which may impact the overall affordability of the best Buick Lucerne car insurance.
• Fewer Local Agents: The limited presence of local agents could affect personalized service. For additional insights, see the article “American Family Car Insurance Review.”

#4 – Nationwide: Best for Extensive Network

Pros

• Extensive Network: Nationwide’s broad network of agents and service centers contributes to its status as a top provider of the best Buick Lucerne car insurance.
• 20% Multi-Vehicle Discount: A 20% discount for multiple vehicles makes Nationwide a strong choice for cost-effective Buick Lucerne car insurance.
• High A.M. Best Rating: With an A+ rating for financial strength, Nationwide ensures stable and reliable coverage for the best Buick Lucerne car insurance.

Cons

• Higher Rates for Some Drivers: Premiums can be higher for specific demographics, which may affect the affordability of the best Buick Lucerne car insurance.
• Fewer Discounts for Younger Drivers: Nationwide offers limited discount options for younger drivers. Read our article entitled “What car insurance discounts does Nationwide offer?” to know more.

#5 – Travelers: Best for Customizable Policies

Pros

• Customizable Policies: Travelers offers a range of customizable policies, making it a leading option for finding the best Buick Lucerne car insurance.
• 8% Multi-Vehicle Discount: This discount is 8% for multiple vehicles, helping to lower costs for the best Buick Lucerne car insurance.
• A.M. Best Rating: Travelers have an A++ rating for financial strength and are reliable providers of the best Buick Lucerne car insurance.

Cons

• Variable Rates: Travelers’ rates can vary based on location and driver profile, which may impact your search for the best Buick Lucerne car insurance.
• Limited Discounts for Young Drivers: The range of discounts available for younger drivers may be more limited compared to other insurers. Discover “Travelers Car Insurance Review” to learn more.

#6 – Auto-Owners: Best for Excellent Discounts

Pros

• Excellent Discounts: Auto-Owners provides numerous discounts, including a 10% discount for multiple vehicles, making it a top choice for the best Buick Lucerne car insurance.
• Customizable Coverage: Offers extensive coverage options that can be tailored to fit your needs for the best Buick Lucerne car insurance.
• High A.M. Best Rating: With an A++ rating for financial strength, Auto-Owners is known for reliable service and stability in providing the best Buick Lucerne car insurance.

Cons

• Limited Regional Availability: Auto-Owners may not be available in all states, which can limit access to the best Buick Lucerne car insurance.
• Higher Rates for Certain Profiles: Premiums may be higher for high-risk drivers, impacting the overall affordability. Discover our article entitled “Auto-Owners Car Insurance Review.”

#7 – Farmers: Best for Superior Support

Pros

• Superior Support: Farmers is known for providing excellent customer support, making it a top choice for the best Buick Lucerne car insurance.
• 20% Multi-Vehicle Discount: Farmers offers a 20% discount for insuring multiple vehicles, helping lower costs for the best Buick Lucerne car insurance.
• High A.M. Best Rating: Farmers’ A rating for financial strength supports its reputation as a reliable provider of the best Buick Lucerne car insurance.

Cons

• Higher Premiums: Premiums with Farmers can be higher compared to some competitors, which may affect the overall affordability of the best Buick Lucerne car insurance.
• Limited Availability: Farmers may not be available in all regions, potentially limiting access to the best Buick Lucerne car insurance. Delve deep into our article entitled “Farmers Car Insurance Review.”

#8 – The Hartford: Best for Senior Friendly

Pros

• Senior Friendly: The Hartford offers specialized coverage options and discounts for seniors, making it a strong option for the best Buick Lucerne car insurance.
• 25% Multi-Vehicle Discount: This program provides a significant 25% discount for insuring multiple vehicles, helping you get competitive rates for the best Buick Lucerne car insurance.
• High A.M. Best Rating: With an A+ rating for financial strength, The Hartford ensures reliable coverage for the best Buick Lucerne car insurance.

Cons

• Higher Premiums: The Hartford’s premiums can be higher than those of some other insurers, which might affect affordability for the best Buick Lucerne car insurance.
• Coverage Options May Vary: The availability of coverage options can vary by region. Visit “The Hartford Car Insurance Discounts” to gain new insights on coverage options.

#9 – Progressive: Best for Innovative Options

Pros

• Innovative Options: Progressive’s innovative coverage options, like the Snapshot program, make it a strong candidate for the best Buick Lucerne car insurance.
• 12% Multi-Vehicle Discount: A 12% discount for multiple vehicles helps you secure competitive pricing for the best Buick Lucerne car insurance.
• A.M. Best Rating: Progressive’s A+ rating for financial strength supports its reliability in providing the best Buick Lucerne car insurance.

Cons

• Inconsistent Rates: Progressive’s premiums can vary widely based on individual factors, which might affect your search for the best Buick Lucerne car insurance.
• Variable Customer Service: Customer service experiences can be inconsistent, impacting overall satisfaction. Find out more about customer service at Progressive Car Insurance Review.

#10 – State Farm: Best for Strong Reputation

Pros

• Strong Reputation: State Farm’s longstanding reputation contributes to its status as a leading provider of the best Buick Lucerne car insurance.
• 20% Multi-Vehicle Discount: State Farm offers a 20% discount for multiple vehicles, making the best Buick Lucerne car insurance more affordable.
• A.M. Best Rating: With a B rating for financial strength, State Farm remains a reliable choice for securing the best Buick Lucerne car insurance.

Cons

• Higher Premiums in Some States: Premiums may be higher in certain states, affecting the affordability of the best Buick Lucerne car insurance.
• Limited Customization: State Farm offers fewer options for customizing policies. Read our article “State Farm Car Insurance Review” to gain insights on customization.

Find Out if Buick Lucerne is Expensive to Insure

The chart below details how Buick Lucerne insurance rates compare to those of other sedans, such as the Chevrolet Malibu, Ford Focus, and Audi A3. It highlights differences in premiums based on factors such as vehicle safety ratings and repair costs.

Buick Lucerne Car Insurance Monthly Rates by Provider & Coverage Level

However, there are a few things you can do to find the cheapest Buick insurance rates online. If you are financing a Buick Lucerne, most lenders will require you to carry higher coverage options, including comprehensive coverage.

Additionally, understanding the process of filing a car insurance claim and maintaining a clean claims history can help in securing lower rates, as a history of frequent claims can lead to higher premiums.

Factors Affecting Buick Lucerne Insurance Costs

The Buick Lucerne trim and model you choose will affect the total price you pay for insurance coverage and how it aligns with the minimum car insurance required by the State.

Buick Lucerne Car Insurance Discounts by Provider

Remember, driving without insurance can have severe legal and financial consequences, so ensure you have the right coverage in place. It’s crucial to shop around and compare Buick Lucerne auto insurance quotes from the best companies by using our free tool below. Enter your ZIP code now.

Age of the Vehicle

The average Buick Lucerne auto insurance rates are higher for newer models due to increased vehicle value and repair costs. For example, auto insurance rates for a 2011 Buick Lucerne cost $1,258, while rates for a 2010 Buick Lucerne are $1,228, a difference of $30.

Buick Lucerne Car Insurance Monthly Rates vs. Model Year by Coverage Type

Over time, this slight increase can add up, making older models more appealing for those looking to save on insurance, especially when considering the overall cost of vehicle ownership.

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: The vehicle is equipped with advanced safety features, including driver and passenger airbags, front and rear head airbags, front side airbags, 4-wheel ABS, 4-wheel disc brakes, brake assist, electronic stability control, daytime running lights, child safety locks, and traction control.

These features enhance the vehicle’s safety and can reduce insurance premiums. Additionally, having such comprehensive safety equipment can minimize the risk of severe accidents, further contributing to cost savings on your insurance policy.

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).

Whether you are buying car insurance for your new car or renewing an existing policy, many of these companies offer discounts for security systems and other safety features that the Buick Lucerne offers, which can help lower your Buick Lucerne car insurance rates.

Buick Lucerne Car Insurance Providers by Market Share

Additionally, features like anti-lock brakes and airbags may qualify you for further savings, making your insurance costs more manageable. Always check with your provider to ensure you’re taking full advantage of available discounts for your Buick Lucerne.

Compare Free Buick Lucerne Insurance Quotes Online

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.

Additionally, they consider factors such as previous car insurance claims, which can impact the overall cost of coverage. If the vehicle has a history of frequent claims, it may result in higher premiums.

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

Your insurance premium does not decrease proportionally with your vehicle’s retail value; it is based on the value when the car was first insured.

The Buick Lucerne is considered an entry-level luxury car, with repair costs slightly higher than those of less expensive models. Enter your ZIP code now to find out the prices and save money.

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 that could result in a claim against it.

To find the best rates, it’s crucial to know the average monthly car insurance payment from different providers. Those with higher safety ratings often benefit from lower premiums due to reduced risk.

Owners of the Buick Lucerne can take comfort in knowing it has very high safety ratings, which not only provide peace of mind but can also lower insurance premiums.

See if you’re getting the best deal on car insurance by entering your ZIP code below.