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 for full coverage. Comprehensive insurance costs on average $260, collision costs $450, and liability insurance is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,854 or more. Teen drivers cost the most to insure at $5,032 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Regal models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

The examples above show why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below shows estimated Buick Regal insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $767
• Raising to $1,000 deductibles will save around $162 a year
• The average price for a good driver age 40 with $500 deductibles is $1,320
• Choosing pricier low deductibles costs an extra $312 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,854 or more
• Policy cost to insure a teen driver for full coverage may cost $5,032

View Chart as Image

Insurance rates for a Buick Regal also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Regal.

Choosing high deductibles can reduce rates by up to $480 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $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 could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Buick Regal insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Buick Regal insurance rates. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.

How to Shop for the Cheapest Buick Regal Insurance

Finding cheaper rates on Buick Regal insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

Below is a recap of the data that was covered in the charts and tables above.

• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Drivers who require higher levels of liability will pay about $500 each year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers pay higher rates, costing up to $419 each month if full coverage is included
• High-risk drivers that have major violations or accidents pay an average of $1,530 more each year for auto 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.