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 insurance prices for a Buick Regal are $1,354 every 12 months for full coverage. Comprehensive insurance costs on average $270, collision insurance costs $484, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $2,938 or more. 16-year-old drivers cost the most to insure at up to $5,144 a year.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Regal models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below shows average Buick Regal insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $781
• Using higher $1,000 deductibles will save around $170 a year
• The average price for a good driver age 40 with $500 deductibles is $1,354
• Buying pricier low deductibles for physical damage coverage costs an extra $332 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,938
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,144 or more

View Chart as Image

Car insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Regal.

Opting for high physical damage deductibles could cut rates by as much as $510 annually, whereas buying more liability protection will cost you more. Going 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Buick Regal insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Buick Regal insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or at least $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheap Buick Regal Insurance

Finding cheaper rates on insurance for a Buick Regal requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts touched on above.

• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,580 more each year to insure a Buick Regal
• Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Insureds who require increased liability limits will pay around $490 each year to increase from a 30/60 limit 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. 

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.