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 including full coverage. Comprehensive insurance costs approximately $270, collision costs $484, and liability insurance is estimated at $442. Liability-only coverage costs approximately $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:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $781
• Choosing higher $1,000 deductibles can save $170 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,354
• Buying more expensive low deductibles for comp and collision coverage costs an extra $332 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,938 or more
• Policy cost to insure a teen driver with full coverage can cost $5,144 each year

View Chart as Image

Insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Regal.

Opting for high physical damage deductibles can save as much as $510 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark 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 are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

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 $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied.

How to Shop for More Affordable Buick Regal Insurance

Finding cheaper rates on Buick Regal insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a summary of the data that was touched on in this article.

• You may be able to save around $160 per year simply by shopping early and online
• Drivers who purchase higher liability limits will pay around $490 per year to raise limits from a 30/60 limit to a 250/500 level
• Teenagers are the costliest to insure, with premiums being up to $429 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,580 more per year for car insurance

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.