Buick Regal Insurance Rates

The average Buick Regal insurance rates are $119 per month or $1,428 annually. However, many factors impact your Buick Regal insurance costs. 

For example, the age of your model can drastically change what you pay for Buick auto insurance. A classic Buick Regal 1980 model will require very different coverage levels than a newer Buick Regal 2019 model.

Read through our comprehensive Buick Regal insurance guide to better understand how your premiums are calculated. Whether you drive a used Buick Regal or a brand new Buick Regal GS, you’ll be able to secure cheap car insurance rates. 

If you’re already ready to compare lower than average Buick Regal prices for car insurance, simply enter your five-digit ZIP code into our FREE quote comparison tool to start shopping.

The average insurance rates for a Buick Regal are $1,320 a year for full coverage. Comprehensive costs on average $260 each year, collision costs $450, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,854. 16-year-old drivers cost the most to insure at $5,032 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Regal models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, rather than relying on rate averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows estimated Buick Regal insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $767
• Drivers who choose higher $1,000 deductibles will pay around $162 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,320
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,632
• High risk drivers with multiple tickets or accidents could pay upwards of $2,854 or more
• Policy cost that insures a teen driver may cost $5,032 a year

View Chart as Image

Auto insurance rates for a Buick Regal also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Buick Regal insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied.

How to Find More Affordable Buick Regal Insurance

Finding cheaper rates on Buick Regal insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a summary of the data touched on above.

• Drivers who require additional liability coverage will pay around $500 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $419 each month if the policy includes full coverage

As you’ve learned from the information above, many factors impact your Buick Regal insurance rates. The Regal has been in production for multiple decades, which means the Buick Regal 1986 and Buick Regal 1987 models are considered classics, which can sometimes require specialty car insurance coverage. 

However, you could potentially only purchase your state’s minimum liability requirements for the more modern Buick Regal 2018 model. 

Regardless of what Buick Regal model year you drive, to receive your lowest rates simply use our FREE tool below and start comparing quotes right away. 

What are the safety ratings for the Buick Regal?

Understanding the Buick Regal safety ratings and features is a great way to discover car insurance discounts you might qualify for. Sometimes, it can even uncover if your vehicle is causing your rates to increase. 

However, recent rumors have caused consumers to question if the Buick Regal is being discontinued. Buick has decided to stop the production of the Regal to minimize its passenger car lineup. 

Buick is making a 2020 Regal as it’s final version; in fact, you can already find this model in lots and on roads today. Check out the 2020 Buick Regal four-door wagon safety ratings below.

• Small overlap front (driver-side): Good
• Moderate overlap front: Good
• Side: Good

A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Safety. Overall, these safety ratings are positive and will not cause your insurance rates to increase. 

Buick Regal Compared Against other Vehicles in the Same Class

Comparing the Buick Regal to similar vehicles can help you save money, especially it has better insurance loss ratios than other vehicles in its class. Is the Buick Regal a luxury car? Technically, Buicks fall between luxury and economy, causing some experts to refer to Buick as a premium brand. 

Officially the Insurance Institue for Highway Safety classifies the Buick Regal as a large four-door car. See other comparable large cars in the list below:

• Chevrolet Impala
• Dodge Charger
• Toyota Avalon

Is the Buick Regal a reliable car? Looking at the loss ratios, the Buick Regal is within the average range in all categories. These reliable percentages will reflect positively in your car insurance rates.  

Ultimately, it does not matter if this brand is considered luxury or not. Only you can say if the Buick Regal is a good car for you. 

You are now an expert on Buick Regal insurance rates. Enter your five-digit ZIP code into our FREE quote comparison tool to find your best Buick insurance premiums.