Buick Lucerne Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Buick Lucerne than the average car.
• Full coverage auto insurance for a Lucerne runs about $151 monthly, on average, while liability only insurance typically averages around $84 per month.
• Hugo provides the lowest average premiums for a Lucerne with liability only coverage offered for as little as just $28 monthly.

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Lucerne Overview

With 2011 models starting at $29,730, the Buick Lucerne is a great budget-friendly car for drivers of all types. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when thinking about your insurance premiums.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that average Buick Lucerne auto insurance prices run about $121 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Buick Lucerne?

You can see in the table above that Buick Lucerne insurance rates are lower than average compared to other vehicles. Lucerne drivers usually pay around $84 a month for liability insurance, and about $151 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When compared to other Buick models, the Lucerne's insurance premium is in line with the rest of the manufacturer's vehicle offerings. Similarly, Lucerne coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices coming in at $1 higher than other cars and full coverage insurance premiums at $26 cheaper.

Compared to all vehicles of any body type, liability only rates are slightly more expensive for the Lucerne, but a full coverage policy is on the less expensive side.

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Who has the Cheapest Car Insurance for a Buick Lucerne?

If you're searching for a car insurance policy for a Buick Lucerne, you might be most interested in which company offers the cheapest premiums. Even though premiums can change pretty dramatically depending on your driver profile, Horace Mann has the cheapest average rates for liability only coverage, with rates sometimes as little as $26 a month. With car insurance as cheap as $28 monthly, Hugo is the next most affordable insurance carrier.

Finishing off the rest of the top 5 are ACG, Ohio Mutual, and Acuity. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since car insurance carriers look at a variety of factors when calculating rates. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from multiple auto insurance companies.

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What Factors Affect Car Insurance Rates for a Buick Lucerne?

As we mentioned above, there are lots of variables that insurance carriers take into account to decide how much they charge you -- and each company weighs certain pieces more than others, so there's not one single carrier that's the most affordable for every driver.

The following sections show a range of things car insurance companies use to calculate rates:

Vehicle Age

The Buick Lucerne has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Lucernes continue to depreciate, insurance costs will gradually decrease.

A new Buick Lucerne model hasn't been added to the market for over 5 years, so the Lucerne won't really fit this trend. However, as you can see in the table above, the cheapest Buick Lucernes to insure are those that are 4 to 5 years old, while the most expensive models are Lucernes that are 11 to 14 years old, on average.

Your Age

Age makes a significant difference in how much insurance carriers will charge for car insurance. Based on the information above, drivers under 24 pay more expensive rates compared to those with more experience on the road. In this case, drivers 18 to 24 pay $37 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Lucerne.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim. When it comes to Lucerne drivers specifically, men pay around $90 per month for car insurance, while women pay about $79.

Where You Live

You're probably already aware that variables such as what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live is equally important? Car insurance is regulated on a state-by-state basis, so rates can shift quite a bit from state to state.

For example, the average Buick Lucerne driver in New York pays around $112 monthly for liability coverage. Meanwhile, on average, the same owner from California will pay $55 less than that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.

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Buick Lucerne Car Insurance Discounts

Regardless of how old you are, which car you drive, or what state you call home, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments

However, discounts aren't the only way to save. Often, it's actually your insurance profile and driving history that get you the most affordable rates.

While you may not be able to control every factor insurance carriers use to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

It's no secret that car insurance companies offer the cheapest premiums to drivers with clean records. It should be no surprise that if you get into a collision or get tickets, insurance prices will go higher. But how much will they cost you?

You can see from the table above that accidents will usually cost Lucerne drivers more than tickets, but both will result in a raise in rates. Buick Lucerne drivers with a single ticket will pay about $100 a month, while drivers with one accident on their record pay an average of $105 per month (up $21 from the $84/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that plays a role in your auto insurance rates is how much you drive annually. Those who are on the roads less often are less likely to get tickets, so they'll generally be offered lower prices. In the table above, you can see that Buick Lucerne owners who drive 10,000 miles or more pay $84 for insurance, while those who drive fewer than 2,500 miles each year pay an average of $80 monthly.

But if you drive less often than the average driver or work from home, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Buick Lucernes Compare to Other Vehicles?

If you're thinking about purchasing a Buick Lucerne, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Buick Lucerne stacks up:

Overall, the Buick Lucerne has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $35,020, and the Lucerne comes in close to that at $29,730. A used Lucerne will be even cheaper, since there hasn't been a new model on the market recently.

Although the Lucerne has a pretty average price, auto insurance premiums run slightly below average when compared to the rest of the vehicle market. Liability insurance for a Buick Lucerne is about $2 per month less than average, while full coverage is $19 less per month.

When it comes to usage, Buick Lucerne drivers are pretty close to the national average in annual miles driven, with 11,834 miles a year compared to 11,617 for all vehicles.

Buick Lucerne Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays for car insurance. If you're considering buying a new vehicle and the Lucerne is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.

Choose Your Model

2011 Buick Lucerne Car Insurance 2010 Buick Lucerne Car Insurance 2009 Buick Lucerne Car Insurance 2008 Buick Lucerne Car Insurance 2007 Buick Lucerne Car Insurance 2006 Buick Lucerne Car Insurance

2011 Buick Lucerne Car Insurance

On average, drivers who own a 2011 Buick Lucerne can expect to pay $79 to $150 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2011 Buick Lucerne insurance policy, Clearcover offered the lowest policy we found, with rates as little as $22 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2011 Buick Lucerne, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Buick Lucerne Car Insurance

The average cost to insure a 2010 Lucerne with liability only coverage is $77 a month, while full coverage runs around $180 monthly.

We found Arrowhead offered the most affordable policy, with rates as low as just $22 a month.

What will your insurance premium be? Get a variety of free personalized quotes by just entering your ZIP code below.

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2009 Buick Lucerne Car Insurance

It costs about $86 monthly for liability or $158 for a full coverage policy for the 2009 Buick Lucerne.

With prices as cheap as just $23 per month, Ohio Mutual offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2009 Buick Lucerne, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2008 Buick Lucerne Car Insurance

2008 Lucerne drivers can expect to pay an average of $81 a month for liability or $141 for full coverage.

Looking for the lowest policy? Clearcover offered liability only coverage for as low as $17 per month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of customized quotes for free.

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2007 Buick Lucerne Car Insurance

You can expect full coverage for a 2007 Buick Lucerne to run around $151 monthly, while liability only coverage will average about $92 a month.

ACG has rates sometimes as cheap as $16 monthly for the 2007 Buick Lucerne.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2006 Buick Lucerne Car Insurance

The average cost to insure a 2006 Lucerne with liability only coverage is $79 per month, while full coverage runs around $150 a month.

ACG offered the most affordable policy we found, with rates sometimes as low as $20 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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Buick Lucerne Insurance FAQs

Is a Buick Lucerne expensive to insure?

It costs less to insure a Buick Lucerne when compared to the average car. Liability insurance runs an average of $84 per month, while full coverage will cost you around $151.

How can I get the best price on car insurance for my Buick Lucerne?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Buick Lucerne affect my insurance premiums?

You may have heard the old adage that it costs more to insure a red car, but that's actually not true. There are multiple factors car insurance companies think about when they calculate how much you'll pay, but the color of your vehicle is not on that list.

Do I need to have insurance before I buy a Buick Lucerne?

You'll need to have valid auto insurance for your Buick Lucerne before you can legally drive your it off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but it's best to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Buick Lucerne?

There are a multitude of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Lucerne has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about their discounts, since they fluctuate quite a bit from company to company.