UPDATED: Jun 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
Need help finding Buick Lucerne insurance rates? Buick Lucerne insurance costs around $261 less per year than the average vehicle. Read on to learn more about insurance rates for a Buick Lucerne.
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 auto insurance costs are $1,258 a year or $105 a month.
Are Buick Lucernes Expensive to Insure?
The chart below details how Buick Lucerne insurance rates compare to other sedans like the Nissan Maxima, Cadillac ATS, and Ford Taurus.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
| Dodge Charger | $376 | $626 | $466 | $1,668 |
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 can impact the total price you will pay for Buick Lucerne car insurance coverage.
Age of the Vehicle
Older Buick Lucerne models generally cost less to insure. For example, car insurance rates for a 2011 Buick Lucerne are $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 Buick Lucerne auto insurance rates. For example, 20-year-old drivers pay approximately $1,539 more 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 the cost of Buick Lucerne car insurance. 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 | |
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 |
| 2011 Buick Lucerne 4 DR FWD Later Release | 4 stars | 5 stars | 2 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Buick Lucerne Safety Features
Having a variety of safety features on your Buick Lucerne can help lower your insurance costs. The 2020 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 car insurance quotes from the best companies using our FREE tool below.
Ways to Save on Buick Lucerne Insurance
There are several ways you can save even more on your Buick Lucerne car insurance rates. Take a look at the following five tips:
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Ask About Mature Driver Discounts for Drivers Over 50
- Check the Odometer on Your Buick Lucerne
- Be Picky About Who Drives Your Buick Lucerne
- Use a Service Like Turo to Rent Out Your Buick Lucerne
Top Buick Lucerne Insurance Companies
Who is the top 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 | |||
Compare Free Buick Lucerne Insurance Quotes Online
Start comparing Buick Lucerne car insurance quotes for free by using our convenient online comparison tool.