Buick Regal Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 5, 2024
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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.
Average auto insurance rates for a Buick Regal are $1,320 annually with full coverage. Comprehensive costs around $260 each year, collision costs $450, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,854. Teen drivers receive the highest rates at $5,032 a year or more.
Average premium for full coverage: $1,320
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Regal models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $504 for just liability insurance to a high rate of $2,854 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price 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.
More Rate Details
The chart below details estimated Buick Regal insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $767
- Drivers who choose higher $1,000 deductibles will pay about $162 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,320
- Choosing low deductibles for comprehensive and collision insurance will cost $1,632
- Drivers with multiple violations and an at-fault accident could pay at least $2,854 or more
- The cost with full coverage for a 16-year-old driver can be $5,032 a year
Auto insurance rates for a Buick Regal can also vary considerably based on the trim level of your Regal, your driving record, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $480 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Buick Regal insurance prices. A 40-year-old driver 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$128 | -9.7% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,502 | $182 | 13.8% |
| Colorado | $1,260 | -$60 | -4.5% |
| Connecticut | $1,358 | $38 | 2.9% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,650 | $330 | 25.0% |
| Georgia | $1,218 | -$102 | -7.7% |
| Hawaii | $946 | -$374 | -28.3% |
| Idaho | $892 | -$428 | -32.4% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $992 | -$328 | -24.8% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,252 | -$68 | -5.2% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $814 | -$506 | -38.3% |
| Maryland | $1,086 | -$234 | -17.7% |
| Massachusetts | $1,056 | -$264 | -20.0% |
| Michigan | $2,292 | $972 | 73.6% |
| Minnesota | $1,104 | -$216 | -16.4% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,168 | -$152 | -11.5% |
| Montana | $1,416 | $96 | 7.3% |
| Nebraska | $1,040 | -$280 | -21.2% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,168 | -$152 | -11.5% |
| New York | $1,390 | $70 | 5.3% |
| North Carolina | $760 | -$560 | -42.4% |
| North Dakota | $1,080 | -$240 | -18.2% |
| Ohio | $912 | -$408 | -30.9% |
| Oklahoma | $1,354 | $34 | 2.6% |
| Oregon | $1,208 | -$112 | -8.5% |
| Pennsylvania | $1,258 | -$62 | -4.7% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,114 | -$206 | -15.6% |
| Tennessee | $1,156 | -$164 | -12.4% |
| Texas | $1,592 | $272 | 20.6% |
| Utah | $976 | -$344 | -26.1% |
| Vermont | $904 | -$416 | -31.5% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,018 | -$302 | -22.9% |
| West Virginia | $1,208 | -$112 | -8.5% |
| Wisconsin | $914 | -$406 | -30.8% |
| Wyoming | $1,176 | -$144 | -10.9% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Buick Regal | $260 | $450 | $452 | $1,320 |
| 2019 Buick Regal | $250 | $424 | $456 | $1,288 |
| 2018 Buick Regal | $240 | $380 | $460 | $1,238 |
| 2017 Buick Regal | $224 | $350 | $460 | $1,192 |
| 2016 Buick Regal | $216 | $328 | $464 | $1,166 |
| 2015 Buick Regal | $210 | $306 | $474 | $1,148 |
| 2014 Buick Regal | $194 | $284 | $474 | $1,110 |
| 2013 Buick Regal | $190 | $258 | $478 | $1,084 |
| 2012 Buick Regal | $176 | $236 | $474 | $1,044 |
| 2011 Buick Regal | $166 | $214 | $474 | $1,012 |
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 Buy More Affordable Buick Regal Insurance
Saving money on insurance for a Buick Regal not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a summary of the car insurance concepts covered above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,530 more every year to insure their Regal
- You may be able to save up to $160 per year simply by quoting online in advance
- Increasing deductibles could save up to $475 each year
- Insureds who may need more liability coverage will pay about $500 every year to go from a minimum limit to higher 250/500 limits
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
| Driver Age | Premium |
|---|---|
| 16 | $5,032 |
| 20 | $3,042 |
| 30 | $1,366 |
| 40 | $1,320 |
| 50 | $1,206 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,632 |
| $250 | $1,488 |
| $500 | $1,320 |
| $1,000 | $1,158 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,410 |
| 100/300 | $1,523 |
| 250/500 | $1,817 |
| 100 CSL | $1,456 |
| 300 CSL | $1,704 |
| 500 CSL | $1,885 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,160 |
| 20 | $4,844 |
| 30 | $2,906 |
| 40 | $2,854 |
| 50 | $2,728 |
| 60 | $2,704 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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