Best Buick Lucerne Car Insurance in 2024 (Find the Top 10 Companies Here)
Erie, Liberty Mutual, and American Family are top providers for the best Buick Lucerne car insurance, offering $45/mo by Erie. Erie has the lowest rates. Liberty Mutual is known for its comprehensive coverage options, while American Family provides reliable service and attractive multi-vehicle discounts.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 6, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Company Facts
Full Coverage for Buick Lucerne
A.M. Best Rating
Complaint Level
Pros & Cons
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Company Facts
Full Coverage for Buick Lucerne
A.M. Best Rating
Complaint Level
Pros & Cons
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Company Facts
Full Coverage Buick Lucerne
A.M. Best Rating
Complaint Level
Pros & Cons
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The best Buick Lucerne car insurance, top providers Erie, Liberty Mutual, and American Family offer competitive rates, with Erie starting at $45/mo.
Buick Lucerne insurance is roughly $261 less per year than the average vehicle. Find the lowest car insurance quotes in “Safeco Car Insurance Review”.
Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
![]() | #1 | 10% | A+ | Affordable Rates | Erie |
![]() | #2 | 25% | A | Comprehensive Coverage | Liberty Mutual |
![]() | #3 | 20% | A | Reliable Service | American Family |
![]() | #4 | 20% | A+ | Extensive Network | Nationwide |
![]() | #5 | 8% | A++ | Customizable Policies | Travelers |
![]() | #6 | 10% | A++ | Excellent Discounts | Auto-Owners |
![]() | #7 | 20% | A | Superior Support | Farmers |
![]() | #8 | 25% | A+ | Senior Friendly | The Hartford |
![]() | #9 | 12% | A+ | Innovative Options | Progressive |
![]() | #10 | 20% | B | Strong Reputation | State Farm |
Take a look through this comprehensive article to learn more about Buick Lucerne insurance rates. It will help you as you start comparing policies from different companies.
You can start entering your ZIP code to compare some of the best car insurance companies by using our free online tool now.
- Full coverage for a Buick Lucerne costs $8/month
- Liability-only policy is about $3 a month
- Teenage drivers face the highest rates is $31/mo
#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: With a 10% discount for insuring multiple vehicles, Erie helps 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 supports its reputation as a provider of reliable and stable Buick Lucerne car insurance. You can learn more through our article entitled “Erie Car Insurance Review“.
Cons
- Limited Availability: Erie’s coverage is available in only 12 states, which might restrict access to the best Buick Lucerne car insurance for some potential customers.
- Fewer Coverage Options: Erie may offer fewer specialized coverage options, which can impact finding the best Buick Lucerne car insurance for specific needs.
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#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 affect the affordability of the best Buick Lucerne car insurance.
- Mixed Customer Service Reviews: Some customers report inconsistent service, which can influence their experience with the best Buick Lucerne car insurance. Delve more into our “Liberty Mutual Auto 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: Limited presence of local agents in certain regions could affect personalized service for obtaining the best Buick Lucerne car insurance. Know more about “American Family 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 certain 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, which might impact the cost-effectiveness of the best Buick Lucerne car insurance. See more details in our “Nationwide Insurance Review“.
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#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: Provides an 8% discount for multiple vehicles, helping to lower costs for the best Buick Lucerne car insurance.
- A.M. Best Rating: With an A++ rating for financial strength, Travelers is a reliable provider 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. Learn more and discover our “Travelers Insurance Review“.
#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 of the best Buick Lucerne car insurance. Discover more through our “Auto-Owners 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: With a 20% discount for insuring multiple vehicles, Farmers helps 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 into our “Farmers auto insurance review“.
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#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: 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: Premiums with The Hartford can be higher compared to 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, potentially impacting your ability to find the best Buick Lucerne car insurance. Visit “The Hartford Auto Insurance Review“.
#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 your overall satisfaction with the best Buick Lucerne car insurance. Find out more in our “Progressive Insurance Review“.
#10 – StateFarm: 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: Offering a 20% discount for multiple vehicles, State Farm helps make 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, which might limit your ability to tailor the best Buick Lucerne car insurance to your needs. Find out to know more in our “StateFarm auto insurance review“.
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Find Out to Know if Buick Lucerne is Expensive to Insure
The chart below details how Buick Lucerne insurance rates compare to other sedans like the Chevrolet Malibu, Ford Focus, and Audi A3.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
American Family | $50 | $140 |
Auto-Owners | $48 | $135 |
Erie | $45 | $125 |
Farmers | $58 | $155 |
Liberty Mutual | $60 | $160 |
Nationwide | $55 | $150 |
Progressive | $51 | $138 |
State Farm | $47 | $130 |
The Hartford | $53 | $148 |
Travelers | $52 | $145 |
To get a full picture of your options, you might also want to compare Cadillac car insurance rates alongside these models.
Vehicle | Comprehensive | Collision | Liability | Full Coverage |
---|---|---|---|---|
Chevrolet Malibu | $27 | $44 | $31 | $115 |
Ford Focus | $20 | $45 | $33 | $111 |
Audi A3 | $24 | $47 | $33 | $117 |
Cadillac CTS | $27 | $52 | $33 | $125 |
Chrysler 300 | $28 | $52 | $33 | $126 |
Nissan Altima | $26 | $48 | $33 | $119 |
Factors Affecting Buick Lucerne Insurance Costs
The Buick Lucerne trim and model you choose will affect the total price you will pay for Buick Lucerne insurance coverage, as well as how it aligns with the minimum car insurance requirements by State.
Remember, driving without insurance can have serious 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 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 2010 Buick Lucerne rates are $1,228, a difference of $30.
Vehicle | Comprehensive | Collision | Liability | Full Coverage |
---|---|---|---|---|
2024 Buick Lucerne | $19 | $34 | $38 | $105 |
2023 Buick Lucerne | $19 | $32 | $39 | $102 |
2022 Buick Lucerne | $18 | $30 | $38 | $101 |
2021 Buick Lucerne | $18 | $29 | $36 | $99 |
Over time, this slight increase can add up, making older models more appealing for those looking to save on insurance.
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
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’re 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.
Rank | Insurance Company | Premiums Written | Market Share |
---|---|---|---|
#1 | State Farm | $66,153,063 | 9% |
#2 | Geico | $46,358,896 | 6% |
#3 | Progressive | $41,737,283 | 6% |
#4 | Allstate | $39,210,020 | 5% |
#5 | Liberty Mutual | $36,172,570 | 5% |
#6 | Travelers | $28,786,741 | 4% |
#7 | USAA | $24,621,246 | 3% |
#8 | Chubb | $24,199,582 | 3% |
#9 | Farmers | $20,083,339 | 3% |
#10 | Nationwide | $18,499,967 | 3% |
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.
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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.
Every insurance company must determine the market value of the car at the time it is being insured. Some use the Kelley Blue Book as well as other well-known resources.
Interestingly enough, your insurance premium will not go down commensurate with the retail value of your vehicle; it will be charged according to the value that was established at the time 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 vehicles. Enter your ZIP code now to know the prices and save your 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 which could result in a claim against the company.
Schimri Yoyo Licensed Agent & Financial Advisor
Owners of the Buick Lucerne can take comfort in knowing it has very high safety ratings.
Find the best car insurance rates for your Lucerne by typing in your ZIP code below!
Frequently Asked Questions
How can I compare insurance rates for a Buick Lucerne?
To compare insurance rates for a Buick Lucerne, you can follow these steps:
- Gather information: Collect details about your Buick Lucerne, including its make, model, year, and any additional features or modifications.
- Research insurance providers: Look for reputable insurance companies that offer coverage in your area.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison tools to obtain quotes for your Buick Lucerne.
- Compare coverage options: Review the coverage options, deductibles, and limits offered by different insurance companies.
- Consider discounts: Inquire about any available discounts that you may qualify for, such as safe driver discounts or multi-policy discounts.
- Assess customer reviews and reputation: Take into account customer reviews and the reputation of the insurance companies you’re considering.
- Make an informed decision: Based on the information gathered, choose an insurance provider that offers the coverage you need at a competitive rate.
What factors can affect Buick Lucerne car insurance rates?
Several factors can influence the cost of car insurance for a Buick Lucerne, including:
- Age and driving experience of the primary driver
- Location and where the vehicle will be primarily parked
- Annual mileage and usage patterns
- Driving record and history of accidents or traffic violations
- Insurance coverage limits and deductibles
- Vehicle make, model, and year
- Safety features and anti-theft devices installed in the car
- The cost of repair or replacement parts for the Buick Lucerne
- Overall claims history of the insurance company
- Credit history of the policyholder (in some states or countries)
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Are there any specific discounts available for insuring a Buick Lucerne?
Yes, insurance companies may offer various discounts that can help reduce the cost of insuring a Buick Lucerne. Common discounts include:
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-policy discount: Insuring your Buick Lucerne with the same company that provides your home or other insurance policies can often lead to a multi-policy discount.
- Anti-theft device discount: Installing anti-theft devices, such as alarms or tracking systems, in your Buick Lucerne may qualify you for a discount.
- Good student discount: If you or a family member who drives the Buick Lucerne is a student with good grades, you might be eligible for a discount.
- Low mileage discount: If you don’t drive your Buick Lucerne frequently, you could be eligible for a low mileage discount.
- Affiliation or group discounts: Some insurance companies offer discounts to members of certain organizations, professional associations, or alumni groups.
Read more: Collision vs. Comprehensive
Are Buick Lucerne car insurance rates generally high or low?
The cost of insurance for a Buick Lucerne can vary depending on multiple factors, including the ones mentioned earlier. Generally, the Buick Lucerne is a midsize sedan that is known for its safety features and comfort, which can potentially contribute to lower insurance rates.
However, the specific insurance rates will depend on factors such as the driver’s profile, location, coverage options, and the insurance company’s individual pricing algorithms. To get accurate insurance rates, it’s recommended to obtain quotes from multiple insurance providers.
Can I get insurance coverage for a leased or financed Buick Lucerne?
Yes, it is generally required to have insurance coverage for a leased or financed Buick Lucerne. Leasing companies and lenders typically require comprehensive and collision coverage to protect their investment in the vehicle.
It’s important to check the specific insurance requirements outlined in your lease or financing agreement and ensure you have the necessary coverage. Enter your ZIP code now to receive a personalized quote and find the best insurance options for you.
How can I reduce my Buick Lucerne insurance premiums?
To reduce your Buick Lucerne insurance premiums, you can take advantage of discounts for multi-vehicle policies, safe driving records, and anti-theft devices. Increasing your deductible can also lower your monthly premium, and bundling your auto insurance with other types of insurance through the same provider may result in savings.
Additionally, improving your credit score and regularly comparing quotes from different insurers can help you find the best rates.
Read more: Liability Insurance
What factors affect the cost of insurance for a Buick Lucerne?
Several factors affect the cost of insurance for a Buick Lucerne, including the driver’s age and driving history, location, coverage options, vehicle safety features, and annual mileage. Younger drivers or those with a history of accidents may face higher premiums, while insurance rates can vary based on where you live.
The type and amount of coverage you choose, as well as the safety features of your vehicle and how much you drive, will also influence your insurance costs.
Is it worth adding comprehensive coverage for a Buick Lucerne?
Adding comprehensive coverage to your Buick Lucerne policy can be worthwhile, particularly if the vehicle’s value justifies it or if you want peace of mind with additional protection. Comprehensive coverage is beneficial if your vehicle is relatively new or valuable, providing protection against theft, vandalism, and natural disasters.
It’s also worth considering if you live in a high-risk area prone to severe weather or high theft rates. Enter your ZIP code now to get tailored insurance quotes and discover the best coverage options available to you.
Can I get insurance for a Buick Lucerne if I have a bad driving record?
Yes, you can still get insurance for a Buick Lucerne with a bad driving record, but you should expect to pay higher premiums due to the increased risk.
Insurance options may be limited, and some insurers might offer only basic coverage or impose higher deductibles. It may also be helpful to seek out insurers that specialize in high-risk drivers or offer non-standard policies.
Read more: Car Insurance Deductibles
What should I do if my Buick Lucerne is involved in an accident?
If your Buick Lucerne is involved in an accident, ensure everyone’s safety first and move to a safe location if possible. Contact the police to report the accident and obtain an official report.
Exchange contact and insurance information with the other party involved, document the scene by taking photos of the damage and accident scene, and notify your insurance company as soon as possible to start the claims process.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.