Buick Regal Insurance Rates
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UPDATED: Jun 27, 2022
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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.
The average insurance prices for a Buick Regal are $900 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $138 a year, collision costs $162, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,928 or more. 16-year-old drivers cost the most to insure at $3,684 a year or more.
Average premium for full coverage: $900
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Regal trim levels.
Price Range Variability
For a 40-year-old driver, Buick Regal insurance rates go from the cheapest price of $496 for minimum levels of liability insurance to a high of $1,928 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how your location can change insurance prices.
The examples above illustrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below illustrates estimated Buick Regal insurance rates for other coverage scenarios.
- The best full coverage rate is $557
- Using higher $1,000 deductibles will save approximately $830 each year
- The average price for a good driver age 40 who has $500 deductibles is $900
- Buying low $100 deductibles for physical damage coverage costs an extra $126 a year
- Drivers with multiple tickets or accidents could pay up to $1,928 or more
- Policy cost to insure a teen driver can cost as much as $3,684 or more
Car insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $200 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $3,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 136% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Buick Regal insurance rates. A driver around age 40 might see rates as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,220 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be varied.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Buick Regal||$250||$424||$456||$1,288|
|2004 Buick Regal||$142||$170||$446||$916|
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 Shop for Low Cost Buick Regal Insurance
Finding cheaper rates on Buick Regal insurance requires having a good driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a review of the material that was illustrated above.
- Drivers who want increased levels of liability coverage will pay around $490 annually to increase from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger have the highest car insurance rates, possibly costing $307 each month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,030 more annually to buy Buick Regal insurance
- Increasing comprehensive and collision deductibles could save as much as $200 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.
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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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$52|
|5-yr Claim Free||$55|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.
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