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 $1,320 every 12 months with full coverage. Comprehensive insurance costs around $260 each year, collision costs $450, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,854 or more. Teenage drivers cost the most to insure at $5,032 a year or more.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Rates are based on $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Regal models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using average rates.

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

Rate Comparisons

The chart below details estimated Buick Regal insurance rates for additional coverage choices and driver risks.

• The best discount rate is $767
• Raising to $1,000 deductibles will save about $162 annually
• The average price for a good driver age 40 using $500 deductibles is $1,320
• Using low deductibles costs an extra $312 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,854 or more
• Policy cost to insure a teen driver can be $5,032

View Chart as Image

Car insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $480 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Buick Regal insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Shop for the Best Cheap Buick Regal Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by obtaining price quotes from direct companies, and also from several local insurance agents.

The following is a quick review of the car insurance concepts touched on above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,530 more every year for Regal insurance
• You may be able to save up to $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Policyholders who may need higher liability limits will pay an extra $500 every year to raise from a 30/60 limit to a 250/500 level

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.