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 rates for a Buick Regal are $1,320 a year with full coverage. Comprehensive insurance costs on average $260 a year, collision costs $450, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,854 or more. Teen drivers cost the most to insure at $5,032 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $767
• Choosing higher $1,000 deductibles can save around $1,158 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,320
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $312 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,854 or more
• Policy cost that insures a teen driver may cost $5,032 each year

View Chart as Image

Car insurance rates for a Buick Regal also range considerably based on the trim level of your Regal, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Buick Regal insurance rates. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $480 each 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 raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied.

How to Find the Right Buick Regal Insurance

Finding cheaper rates on Buick Regal insurance takes having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Shop around at every other renewal by requesting rates from direct companies, and also from several local insurance agents.

The next list is a quick rundown of the concepts that were raised in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,530 more each year to buy Buick Regal insurance
• Drivers age 20 and younger are expensive to insure, as much as $419 each month if full coverage is purchased
• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• You may be able to save as much as $160 per year simply 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. 

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.