About $1,266 a year for full coverage on a national average — 12% less than the $1,438 average car. Insurers rate the Buick Lucerne at an index of 88 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly across the Buick Lucerne: Collision — damage to your own car in a crash — carries its highest loss index at 92, while Medical payments sits at 75. Those 17 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2011 Lucerne sells for a median $5,950, so a year of cover costs 21.3% of the car's value. Over 6 generations of data the index has climbed from 65 (2004-2006) to 88 (2009-2011). Calculated from 6 insurance-loss records and live US listing prices.
Why a Lucerne costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,266: Liability (BI + PD) $608 · Collision $354 · Comprehensive $152 · Other (UM / PIP) $152.
How it changed by generation
Insurance-loss index of the Lucerne across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Lucerne has become more expensive to insure over time (+23 points).
What a Lucerne costs by state
Where you park matters as much as what you drive. The Lucerne's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Lucerne est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Buick Lucerne's loss index of 88 — your own quote also depends on age, record, deductible and ZIP.
Buick Lucerne insurance — frequently asked
How much is insurance for a Buick Lucerne?
About $1,266 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 88 applied to the US average premium.
Why is the Lucerne expensive or cheap to insure?
For the Buick Lucerne the costliest area is Collision at an index of 92, covering damage to your own car in a crash — against 75 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Buick Lucerne lands at 88, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 21.3% of what a 2011 Lucerne sells for — $1,266 against a median price of $5,950. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 21.3% the Lucerne sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The Lucerne holds 4 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Lucerne can differ by hundreds between two drivers.
How we work this out
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