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 $1,354 a year with full coverage. Comprehensive insurance costs on average $270 a year, collision costs $484, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $2,938 or more. 16-year-old drivers cost the most to insure at $5,144 a year or more.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Includes $500 physical damage deductibles, minimum 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

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location, instead of using rate 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 best full coverage rate is $781
• Using higher $1,000 deductibles will save around $1,184 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,354
• Buying low $100 deductibles for physical damage coverage will cost an additional $332 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,938 or more
• Policy cost that insures a teen driver may cost $5,144 or more

View Chart as Image

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 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Buick Regal insurance prices. A driver around age 40 might see rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,830 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 every 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 $398 more each year. 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 and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates will be varied.

How to Find the Cheapest Buick Regal Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop every couple of years by getting rate quotes from direct companies, and also from several local insurance agents.

Below is a recap of the material that was covered above.

• Policyholders who require higher levels of liability will pay around $490 every year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers pay higher rates, as much as $429 each month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents pay on average $1,580 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $500 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. 

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.