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 rates for a Buick Regal are $1,354 a year with full coverage. Comprehensive costs on average $270, collision insurance costs $484, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $2,938. Teenage drivers cost the most to insure at up to $5,144 a year.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below details average Buick Regal insurance rates for different risk profiles and scenarios.

• The best discount rate is $781
• Raising to $1,000 deductibles will save around $170 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,354
• Using more expensive low deductibles will increase the cost to $1,686
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,938
• Policy cost for full coverage for a teen driver with full coverage may cost $5,144

View Chart as Image

Insurance rates for a Buick Regal also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state also has a big influence on Buick Regal insurance prices. A middle-age driver might find rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,830 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 every year, while increasing your policy's liability limits will cost you more. Moving 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 may be forking out at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Right Buick Regal Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a quick rundown of the material that was illustrated above.

• Policyholders who require increased liability limits will pay an extra $490 every year to raise from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 pay higher rates, as much as $429 each month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,580 more each year to insure a Buick Regal
• Increasing comprehensive and collision deductibles can save around $500 each year

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.