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: Jun 1, 2023

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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 prices for a Buick Regal are $1,354 every 12 months for full coverage. Comprehensive costs approximately $270 each year, collision costs $484, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,938. Teen drivers pay the most at $5,144 a year or more.

Average premium for full coverage: $1,354

Premium estimates by type of coverage:

Comprehensive $270
Collision $484
Liability $442

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Regal models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Buick Regal go from the cheapest price of $496 for basic liability insurance to a high rate of $2,938 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,354
High Risk $2,938

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

These rate differences show why all drivers should get quotes using their specific location and their own driving history, instead of using price 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.

Rate Comparisons

The chart below shows estimated Buick Regal insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $781
  • Choosing higher $1,000 deductibles can save $170 a year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,354
  • Choosing low deductibles for comp and collision coverage increases the price to $1,686
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $2,938 or more
  • An auto insurance policy to insure a teen driver can cost $5,144 each year

View Chart as Image

Buick Regal insurance cost comparison chart
Column chart showing full coverage Buick Regal insurance rates range from $781 to $5,144

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

Choosing high deductibles can save as much as $510 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Buick Regal insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,940 on average in New York, Louisiana, and Michigan.

Buick Regal Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,226 -$128 -9.5%
Alaska $1,042 -$312 -23.0%
Arizona $1,126 -$228 -16.8%
Arkansas $1,354 -$0 0.0%
California $1,544 $190 14.0%
Colorado $1,294 -$60 -4.4%
Connecticut $1,394 $40 3.0%
Delaware $1,534 $180 13.3%
Florida $1,696 $342 25.3%
Georgia $1,252 -$102 -7.5%
Hawaii $974 -$380 -28.1%
Idaho $918 -$436 -32.2%
Illinois $1,010 -$344 -25.4%
Indiana $1,022 -$332 -24.5%
Iowa $914 -$440 -32.5%
Kansas $1,288 -$66 -4.9%
Kentucky $1,848 $494 36.5%
Louisiana $2,008 $654 48.3%
Maine $834 -$520 -38.4%
Maryland $1,120 -$234 -17.3%
Massachusetts $1,086 -$268 -19.8%
Michigan $2,356 $1,002 74.0%
Minnesota $1,134 -$220 -16.2%
Mississippi $1,624 $270 19.9%
Missouri $1,202 -$152 -11.2%
Montana $1,456 $102 7.5%
Nebraska $1,068 -$286 -21.1%
Nevada $1,624 $270 19.9%
New Hampshire $976 -$378 -27.9%
New Jersey $1,516 $162 12.0%
New Mexico $1,200 -$154 -11.4%
New York $1,428 $74 5.5%
North Carolina $780 -$574 -42.4%
North Dakota $1,110 -$244 -18.0%
Ohio $936 -$418 -30.9%
Oklahoma $1,392 $38 2.8%
Oregon $1,242 -$112 -8.3%
Pennsylvania $1,294 -$60 -4.4%
Rhode Island $1,808 $454 33.5%
South Carolina $1,226 -$128 -9.5%
South Dakota $1,144 -$210 -15.5%
Tennessee $1,188 -$166 -12.3%
Texas $1,634 $280 20.7%
Utah $1,004 -$350 -25.8%
Vermont $926 -$428 -31.6%
Virginia $812 -$542 -40.0%
Washington $1,048 -$306 -22.6%
West Virginia $1,242 -$112 -8.3%
Wisconsin $940 -$414 -30.6%
Wyoming $1,208 -$146 -10.8%

View Chart as Image

Buick Regal insurance rates by U.S. city

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

Buick Regal Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Buick Regal $270 $484 $442 $1,354
2019 Buick Regal $260 $450 $452 $1,320
2018 Buick Regal $250 $424 $456 $1,288
2017 Buick Regal $240 $380 $460 $1,238
2016 Buick Regal $224 $350 $460 $1,192
2015 Buick Regal $216 $328 $464 $1,166
2014 Buick Regal $210 $306 $474 $1,148
2013 Buick Regal $194 $284 $474 $1,110
2012 Buick Regal $190 $258 $478 $1,084
2011 Buick Regal $176 $236 $474 $1,044

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 More Affordable Buick Regal Insurance

Finding better rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a summary of the car insurance concepts covered in the charts and tables above.

  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,580 more per year to buy Buick Regal insurance
  • Drivers can save around $160 per year simply by quoting online in advance
  • Increasing policy deductibles could save as much as $500 each year
  • Policyholders who purchase increased levels of liability coverage will pay about $490 each year to raise limits from 30/60 bodily injury limits to a 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 $5,144
20 $3,130
30 $1,408
40 $1,354
50 $1,240
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Buick Regal Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,686
$250 $1,532
$500 $1,354
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Buick Regal Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,442
100/300 $1,553
250/500 $1,840
100 CSL $1,487
300 CSL $1,730
500 CSL $1,907

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Regal Insurance Rates for High Risk Drivers
Age Premium
16 $7,324
20 $4,990
30 $2,996
40 $2,938
50 $2,806
60 $2,780

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $98
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $96
Total Discounts $573
Rate after discounts $781

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

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