How much is car insurance for a Buick Lucerne?

Buick Lucerne insurance rates average at $83/mo, or $1,000/yr. However, your personal Buick Lucerne auto insurance premiums will depend on your age, credit score, driving history, annual mileage, multi-policy discounts, and location. Enter your ZIP code below to get free Buick Lucerne car insurance quotes from local companies to find the best possible rates on your policy.

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UPDATED: Oct 27, 2020

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Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Oct 27, 2020Fact Checked

Do you like the full-bodied cruising experience of a large American car? Do you have no interest in maneuvering into compact parking spaces? Do 0-to-60 mph acceleration numbers evoke a feeling of hurried stress in you? Perhaps you’re instead thinking of taking life easy in a large, comfortable sedan like the Buick Lucerne. You wouldn’t be alone — since first introduced in 2005, more than 300,000 Buick Lucerne cars have been sold in America!

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If you’re curious about insurance costs for the Buick Lucerne, you can get competitive quotes from different car insurance companies by simply entering you zip code in the box! First, why not take a few moments to read ahead and find out more about the Buick Lucerne and about insuring this quiet, conservative sedan.

The Buick Lucerne: Room to Spare

The Buick Lucerne’s biggest selling point is its comfortable, spacious passenger area. In this era of high-horsepower, sport-tuned sedans, crossovers and coupes, wherein the second row often suffices so long as a child safety seat fits, perhaps you prefer a more stately, limousine-like alternative, one in which grown-ups can enjoy comfort and quiet conversation while cruising to a favorite destination. The Buick Lucerne is unabashedly that kind of car. Three adults fit comfortably in the rear surrounded by what MSN Autos calls a “church-quiet interior” with “understated elegance.”

Most reviewers lament the lackluster engines offered on the Lucerne, observing that they are weak and fuel-hungry. The Lucerne comes with either a 227-horsepower 3.9-liter V6 engine or a 4.6-liter V8 that serves up 292 horsepower. Both are front-wheel drive, and both are restricted to a four-speed automatic transmission, providing anything but a sporty ride even in the V8. Does this matter to you? Or, would all that performance get in the way of the peaceful, easy feeling you get cruising the interstate in your Lucerne? If it does matter, than check out some very fine performers in this class, such as the top three on US News and World Report’s ranking of Affordable Large Cars: the Ford Taurus, the Toyota Avalon and Buick’s own LaCrosse.

Looks and Features

The 2011 Buick Lucerne has a subdued, upscale look that doesn’t attempt to stand out in a crowd. Its large exterior dimensions nonetheless convey its presence. According to Car and Driver, “In the country-club parking lot, it looks right at home with BMWs and Lexuses.” The Lucerne has a generous trunk and the option for a 40-20-40 split seat front row bench which reviewers say is not really adequate as a sixth seat but may be a preference for some buyers.

With four trim levels, the Buick Lucerne offers a surprising number of up-to-date features for a car whose reputation with reviewers is staid and old-school. The CX trim has keyless entry, six-way power front seats, OnStar, an iPod USB audio interface and satellite radio among other features. Dual-zone automatic climate control and Bluetooth are optional.

The CXL adds leather, eight-way power front seats with four-way power lumbar control, driver’s seat memory settings, heated steering, and optional remote ignition and rear parking sensors. These options are standard on the CXL Premium, as are upgraded wheels, lane-departure warning, blind-spot warning, and a nine-speaker Harman Kardon sound system as well as some other nice details.

At the top of the line sits the Lucerne Super with the aforementioned V8. To other listed features it adda a sunroof, adaptive magnetic ride control, upscale interior leather and faux-suede, climate-controlled front seats, magnetic steering with power tilt and telescoping wheel and touchscreen navigation with real-time traffic.

Safety Equipment and Ratings for the Buick Lucerne

The 2011 Buick Lucerne is equipped with the General Motors Stabilitrak electronic stability control system, as well as traction control, brake assist, anti-lock brakes, LATCH child seat tethers, tire pressure monitoring, generous airbags, and the full OnStar menu including crash notification. The CXL Premium and Super also have the added sensor systems for blind spots, lane departure and rear parking as mentioned.

The Insurance Institute for Highway Safety gave the Lucerne its top grade in front-offset crash tests, its second-top grade in side impact crashes, and low marks for rear crashes. The National Highway Traffic Safety Administration, the federal government’s safety evaluation agency, awarded the 2011 Lucerne four out of five stars overall according to its new, stricter rating system. Earlier release 2011 Lucernes earned three of five stars overall. Front impact and rollover both rated five stars, however, side impact results brought the overall rating down with only a two-star grade. According to the previous rating system, the NHTSA awarded 2006 through 2010 Lucernes five stars for front impact and rollover, and four for side impact.

Insuring the Buick Lucerne

While these crash test ratings may not be best-in-class, they are generally acceptable to the insurance industry given the conservative road personality of the Buick Lucerne and, presumably, its drivers. National average insurance costs for a typical driver and deductibles are estimated by conservative sources to be around $1000 per year, whereas other sources put this figure between $1300 and $1400. Regardless of which is more accurate, your personal car premiums will depend on factors such as your age, credit score, driving history, annual mileage, multi-policy discounts, and location. For example, if you live in Michigan, expect to pay more than double what a Vermont driver pays. If you’ve had a clean driving record for decades, expect safe-driver discounts to save you a considerable amount as well.

It’s clearly worth your while to be compare quotes from a variety of leading insurers in order to get the best price and terms you can. To begin looking for car insurance for a Buick Lucerne, why not enter you zip code now!

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

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