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.

Estimated auto insurance rates for a Buick Regal are $1,320 annually for full coverage insurance. Comprehensive insurance costs approximately $260 a year, collision costs $450, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,854 or more. Teenage drivers pay the most at $5,032 a year or more.

Average premium for full coverage: $1,320

Premium estimates by type of coverage:

Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Regal trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, 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 illustrates estimated Buick Regal insurance rates for additional coverage and risk scenarios.

• The best discount rate is $767
• Raising to $1,000 deductibles will save $1,158 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,320
• Using low $100 deductibles costs an additional $312 annually
• Drivers who are prone to accidents and violations could pay around $2,854 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $5,032

View Chart as Image

Insurance prices for a Buick Regal also have a wide range based on the model of your Regal, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $480 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Buick Regal insurance prices. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

How to Buy More Affordable Buick Regal Insurance

Finding better rates on insurance for a Buick Regal consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a summary of the coverage data covered above.

• It is possible to save around $160 per year simply by quoting early and online
• Increasing policy deductibles could save up to $475 each year
• Teenage drivers are expensive to insure, with premiums being up to $419 per month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,530 more per year for auto insurance

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.