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 with full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $450, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $2,854 or more. Teenage 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Regal models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why all drivers should get quotes using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated Buick Regal insurance rates for additional coverage and risk scenarios.

• The best discount rate is $767
• Choosing higher $1,000 deductibles can save $162 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,320
• Using low deductibles for comp and collision coverage will cost an additional $312 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,854 or more
• Policy cost that insures a 16-year-old driver can cost $5,032 each year

View Chart as Image

Insurance rates for a Buick Regal also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

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 $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $480 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

How to Find Affordable Buick Regal Insurance

Finding cheaper rates on insurance for a Buick Regal takes avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

The points below are a brief review of the material that was covered in the above illustrations.

• Insureds who purchase increased liability limits will pay an extra $500 every year to raise limits from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, as much as $419 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,530 more per year to insure a Buick Regal
• Increasing comprehensive and collision deductibles can save approximately $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.