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.

Average auto insurance rates for a Buick Regal are $1,354 annually including full coverage. Comprehensive costs on average $270 each year, collision costs $484, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,938. 16-year-old drivers receive the highest rates at $5,144 a year or more.

Average premium for full coverage: $1,354

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Regal models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $781
• Using higher $1,000 deductibles will save around $170 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,354
• Buying low deductibles for physical damage coverage will cost $1,686
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,938 or more
• The cost with full coverage for a 16-year-old driver may cost $5,144 or more

View Chart as Image

Auto insurance rates for a Buick Regal can also vary considerably based on the trim level of your Regal, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Buick Regal insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different between companies.

How to Buy the Best Cheap Buick Regal Insurance

Saving money on insurance for a Buick Regal requires being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Spend time shopping around at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a quick review of the data touched on above.

• Insureds who require higher levels of liability will pay around $490 per year to increase from a minimum limit to higher 250/500 limits
• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing deductibles could save up to $500 each year
• Teenage drivers are charged the highest rates, as much as $429 per month if full coverage is included

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.