Buick Regal Insurance Rates
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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.
The average insurance rates for a Buick Regal are $900 a year including full coverage. Comprehensive insurance costs around $138, collision insurance costs $162, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $1,928 or more. 16-year-old drivers cost the most to insure at up to $3,684 a year.
Average premium for full coverage: $900
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Regal models.
Price Range Variability
For a driver in their 40's, Buick Regal insurance rates range from as low as $496 for basic liability insurance to the much higher price of $1,928 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
The examples above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on rate 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.
The chart below breaks down average Buick Regal insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $557
- Drivers who choose higher $1,000 deductibles will pay about $70 every year
- The average rate for a good driver age 40 using $500 deductibles is $900
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $126 annually
- Drivers with multiple tickets or accidents could pay at least $1,928
- Policy cost for full coverage for a 16-year-old driver for full coverage can be $3,684 a year
Insurance rates for a Buick Regal also range considerably based on your risk profile, the model of your Regal, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,600 a year. View Rates by Age
Your home state makes a big difference in Buick Regal insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,290 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could save up to $200 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,500 additional every year, depending on your age. Buick Regal insurance for high-risk drivers can cost from 41% to 136% more than the average rate. View High Risk Driver Rates
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Buick Regal||$250||$424||$456||$1,288|
|2004 Buick Regal||$142||$170||$446||$916|
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 Find More Affordable Buick Regal Insurance
Finding cheaper rates on insurance for a Buick Regal not only requires avoiding accidents and claims, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a summary of the data that was covered in the charts and tables above.
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
- Insureds who may need increased liability limits will pay around $490 per year to go from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $307 each month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,030 more every year to insure a Buick Regal
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$52|
|5-yr Claim Free||$55|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.