Buick Regal Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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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 insurance rates for a Buick Regal are $1,376 a year with full coverage. Comprehensive costs on average $286 a year, collision costs $502, and liability is $430. Liability-only insurance costs around $486 a year, with high-risk driver insurance costing around $2,976. 16-year-old drivers pay the most at $5,172 a year or more.

Average premium for full coverage: $1,376

Premium estimates by type of coverage:

Comprehensive $286
Collision $502
Liability $430

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Regal trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Buick Regal go from the low end price of $486 for a discount liability-only rate to a high of $2,976 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,376
High Risk $2,976

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These rate differences demonstrate why it is important to compare rates quotes based on a specific location, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The best full coverage rate is $795
  • Raising to $1,000 deductibles will save around $1,198 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,376
  • Buying low $100 deductibles bumps up the cost to $1,722
  • At-risk drivers with multiple tickets or accidents could pay upwards of $2,976 or more
  • An auto insurance policy that insures a teen driver may cost $5,172

View Chart as Image

Buick Regal insurance cost comparison chart
Column chart showing full coverage Buick Regal insurance rates range from $795 to $5,172

Insurance prices for a Buick Regal also have a wide range based on the trim level of your Regal, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

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 $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,860 on average in Florida, Michigan, and New York.

Buick Regal Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$132 -9.6%
Alaska $1,056 -$320 -23.3%
Arizona $1,142 -$234 -17.0%
Arkansas $1,376 -$0 0.0%
California $1,568 $192 14.0%
Colorado $1,316 -$60 -4.4%
Connecticut $1,416 $40 2.9%
Delaware $1,558 $182 13.2%
Florida $1,722 $346 25.1%
Georgia $1,270 -$106 -7.7%
Hawaii $988 -$388 -28.2%
Idaho $930 -$446 -32.4%
Illinois $1,026 -$350 -25.4%
Indiana $1,036 -$340 -24.7%
Iowa $928 -$448 -32.6%
Kansas $1,308 -$68 -4.9%
Kentucky $1,876 $500 36.3%
Louisiana $2,036 $660 48.0%
Maine $848 -$528 -38.4%
Maryland $1,134 -$242 -17.6%
Massachusetts $1,100 -$276 -20.1%
Michigan $2,390 $1,014 73.7%
Minnesota $1,152 -$224 -16.3%
Mississippi $1,646 $270 19.6%
Missouri $1,222 -$154 -11.2%
Montana $1,480 $104 7.6%
Nebraska $1,086 -$290 -21.1%
Nevada $1,648 $272 19.8%
New Hampshire $992 -$384 -27.9%
New Jersey $1,538 $162 11.8%
New Mexico $1,218 -$158 -11.5%
New York $1,448 $72 5.2%
North Carolina $792 -$584 -42.4%
North Dakota $1,126 -$250 -18.2%
Ohio $950 -$426 -31.0%
Oklahoma $1,412 $36 2.6%
Oregon $1,260 -$116 -8.4%
Pennsylvania $1,312 -$64 -4.7%
Rhode Island $1,836 $460 33.4%
South Carolina $1,244 -$132 -9.6%
South Dakota $1,162 -$214 -15.6%
Tennessee $1,206 -$170 -12.4%
Texas $1,658 $282 20.5%
Utah $1,020 -$356 -25.9%
Vermont $942 -$434 -31.5%
Virginia $824 -$552 -40.1%
Washington $1,064 -$312 -22.7%
West Virginia $1,260 -$116 -8.4%
Wisconsin $954 -$422 -30.7%
Wyoming $1,224 -$152 -11.0%

View Chart as Image

Buick Regal insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $530 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.

Buick Regal Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Buick Regal $286 $502 $430 $1,376
2019 Buick Regal $270 $484 $442 $1,354
2018 Buick Regal $260 $450 $452 $1,320
2017 Buick Regal $250 $424 $456 $1,288
2016 Buick Regal $240 $380 $460 $1,238
2015 Buick Regal $224 $350 $460 $1,192
2014 Buick Regal $216 $328 $464 $1,166
2013 Buick Regal $210 $306 $474 $1,148
2012 Buick Regal $194 $284 $474 $1,110
2011 Buick Regal $190 $258 $478 $1,084
2004 Buick Regal $138 $162 $442 $900

Rates are averaged for all Buick Regal models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Buick Regal Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and insuring your home and auto with the same company. Comparison shop every time your policy renews by getting rate quotes from direct companies, and also from several local insurance agents.

The following is a summary of the information touched on in this article.

  • You may be able to save as much as $160 per year simply by quoting early and online
  • Teens pay higher prices, possibly costing $431 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles can save approximately $525 each year
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,600 more each year for Regal insurance
  • Policyholders who require higher liability limits will pay around $470 every year to raise from 30/60 bodily injury limits to the 250/500 level

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. 

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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:

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.

Rates by Driver Age

Buick Regal Insurance Rates by Driver Age
Driver Age Premium
16 $5,172
20 $3,170
30 $1,430
40 $1,376
50 $1,258
60 $1,232

Full coverage, $500 deductibles

Rates by Deductible

Buick Regal Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,722
$250 $1,562
$500 $1,376
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Buick Regal Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,376
50/100 $1,462
100/300 $1,570
250/500 $1,849
100 CSL $1,505
300 CSL $1,742
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Regal Insurance Rates for High Risk Drivers
Age Premium
16 $7,370
20 $5,048
30 $3,036
40 $2,976
50 $2,840
60 $2,814

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $67
Online Quote $97
Total Discounts $581
Rate after discounts $795

Discounts are estimated and may not be available from every company or in every state.

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