Buick Lucerne Insurance Quotes [Everything You Need to Know]

Average Buick Lucerne car insurance rates cost $105/mo or $1,258/yr. A liability-only policy costs around $505 a year or $42 each month. These costs are cheaper than average insurance rates costing $261 less per year than the average vehicle. Good drivers can save up to $519 a year on these Buick Lucerne insurance costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 insurance rates are about $261 less per year than the average vehicle with full coverage on the Buick Lucerne costing around $1,258 a year or $105 a month. Owners of an older Buick Lucerne may opt for liability-only coverage which costs around $505 a year or $42 a month.

Good drivers can get up to $519 in policy discounts by being safe on the roads. We’re going to take a quick 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 costs 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 Hyundai Elantra, Kia Optima, and Cadillac CTS.

Vehicle Comprehensive Collision Liability Total
Hyundai Elantra $280 $562 $372 $1,372
Kia Optima $322 $532 $420 $1,454
Cadillac CTS $320 $626 $398 $1,502
Audi A3 $282 $566 $398 $1,404
Toyota Corolla $294 $542 $390 $1,384
Volkswagen Passat $332 $600 $390 $1,480
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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?

Even though the average annual rate for the Buick Lucerne is $1,258, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Buick Lucerne.

Age of the Vehicle

Older Buick Lucerne models generally cost less to insure. For example, car insurance for a 2011 Buick Lucerne costs $1,258, while 2010 Buick Lucerne insurance costs 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 approximately $1,539 each year for their Buick Lucerne auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Buick Lucerne insurance rates. For example, drivers in New York may pay $768 a year more than drivers in Seattle.

Your Driving Record

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

Buick Lucerne Safety Ratings

Your Buick Lucerne auto insurance rates are tied to the Buick Lucerne’s safety ratings. 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 Acceptable
Roof strength Not Tested
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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Buick Lucerne Crash Test Ratings

If the Buick Lucerne crash test ratings are good, you could have lower 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
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Buick Lucerne Safety Features

The numerous safety features of the Buick Lucerne help contribute to lower insurance rates. The 2020 Buick Lucerne has the following safety features:

  • 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 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Buick Lucerne Insurance

You can save more money on your Buick Lucerne auto insurance rates by employing any of the following five strategies.

  • Add a More Experienced Driver to Your Buick Lucerne Policy
  • Pay Your Bills On Time — Especially Buick Lucerne Payments and Insurance
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Ask About Welcome Discounts
  • Choose a Buick Lucerne with Cheaper Repair Costs

Top Buick Lucerne Insurance Companies

The best auto insurance companies for Buick Lucerne car insurance rates will offer competitive rates, discounts, and account for the Buick Lucerne’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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

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.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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