What is the Best Car Insurance for a Buick Lucerne?

Buick Lucerne insurance rates cost $1,258 a year, or around $105 a month. Good drivers can save as much as $1,941 a year over higher-risk drivers.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 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
  • 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 cost $105 per month for full coverage, while liability-only coverage costs $42 per month. Good drivers can save up to $519 per year. Continue reading to learn how you can eligible for cheaper Buick Lucerne insurance rates.

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

Buick Lucerne Insurance Cost

The average Buick Lucerne auto 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 Buick Regal, Dodge Charger, and Audi A3.

Vehicle Comprehensive Collision Liability Total
Buick Regal $306 $536 $398 $1,398
Dodge Charger $376 $626 $466 $1,668
Audi A3 $282 $566 $398 $1,404
Toyota Avalon $320 $536 $338 $1,330
Chevrolet Blazer $376 $688 $316 $1,516
Audi S3 $356 $744 $264 $1,474
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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

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 effect on Buick Lucerne auto insurance rates. For example, 30-year-old drivers pay $55 more for 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 Phoenix may pay $692 a year less than drivers in Los Angeles.

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 with violations on their driving record.

Buick Lucerne Safety Ratings

The Buick Lucerne’s safety ratings will affect your Buick Lucerne auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side A
Not Tested
Head restraints and seats M
Source: Insurance Institute for Highway Safety
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Buick Lucerne Crash Test Ratings

Good Buick Lucerne crash test ratings mean the VW is safer, which could mean cheaper Buick Lucerne auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Buick Lucerne 3 stars 5 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, you will pay more if you purchase Buick Lucerne auto insurance at the dealership, so be sure to shop around and compare Buick Lucerne auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Buick Lucerne Insurance

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

  • Add a More Experienced Driver to Your Buick Lucerne Policy
  • Tell Your Auto Insurance Company How You Use Your Buick Lucerne
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Move to the Countryside
  • Compare Buick Lucerne Insurance Rates Online

Top Buick Lucerne Insurance Companies

The best auto insurance companies for Buick Lucerne insurance rates will offer competitive rates, discounts, and account for the Buick Lucerne’s safety features. The following list of auto 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

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

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