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 prices for a Buick Regal are $1,320 every 12 months including full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $450, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,854. Teen drivers cost the most to insure at up to $5,032 a year.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below breaks down average Buick Regal insurance rates for other coverage scenarios.

• The lowest rate with discounts is $767
• Choosing higher $1,000 deductibles can save approximately $1,158 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,320
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,632
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,854
• Policy cost to insure a 16-year-old driver can cost as much as $5,032 each year

View Chart as Image

Auto insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $480 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 135% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Buick Regal insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Buick Regal Insurance

Finding cheaper rates on insurance for a Buick Regal takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the material that was touched on in the above illustrations.

• Insureds who want higher liability limits will pay about $500 per year to raise limits from a 30/60 limit to a 250/500 level
• Teenagers are the costliest to insure, with premiums being up to $419 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,530 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year

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.