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 auto insurance rates for a Buick Regal are $1,320 annually with full coverage. Comprehensive insurance costs around $260 each 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 $2,854 or more. Teens cost the most to insure at up to $5,032 a year.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist 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 insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below details average Buick Regal insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $767
• Choosing higher $1,000 deductibles can save about $162 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,320
• Selecting low deductibles for comp and collision coverage costs an additional $312 annually
• Higher-risk drivers with serious driving violations could pay at least $2,854
• Policy cost with full coverage for a 16-year-old driver can be $5,032 each year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

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 New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Affordable Buick Regal Insurance

Finding cheaper rates on insurance for a Buick Regal takes being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the data that was raised in the charts and tables above.

• You may be able to save up to $160 per year just by quoting online in advance
• Insureds who may need higher levels of liability will pay approximately $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers are expensive to insure, as much as $419 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,530 more every 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.