Buick Regal Insurance Rates
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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 auto insurance rates for a Buick Regal are $1,376 annually for full coverage. Comprehensive costs an estimated $286 a year, collision insurance costs $502, and liability is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs around $2,976. Teens pay the most at up to $5,172 a year.
Average premium for full coverage: $1,376
Premium estimates broken down by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 range from as cheap as $486 for minimum levels of liability insurance to a high of $2,976 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.
These rate differences show why it is important to compare rates quotes for a targeted area 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Buick Regal insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $795
- Raising to $1,000 deductibles will save approximately $1,198 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,376
- Selecting low $100 deductibles will cost $1,722
- Drivers with serious driving violations could pay up to $2,976
- An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,172
Insurance prices for a Buick Regal also have a wide range based on the model of your Regal, your driver profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $530 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 more each 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 $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,960 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Buy the Best Cheap Buick Regal Insurance
Finding better rates on insurance for a Buick Regal consists of having a decent driving record, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a quick review of the concepts that were touched on in this article.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,600 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, as much as $431 per month if they have full coverage
- Drivers can save approximately $160 per year just by quoting early and online
- Increasing policy deductibles could save up to $525 each year
- Drivers can save approximately $160 per year just by quoting early and online
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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,722 |
| $250 | $1,562 |
| $500 | $1,376 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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