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 including full coverage. Comprehensive insurance costs an estimated $270, collision costs $484, and liability coverage is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,938 or more. 16-year-old drivers cost the most to insure at $5,144 a year or more.

Average premium for full coverage: $1,354

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

The chart below breaks down estimated Buick Regal insurance rates for other coverage scenarios.

• The best full coverage rate is $781
• Raising to $1,000 deductibles will save approximately $170 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,354
• Buying more expensive low deductibles will cost an extra $332 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,938 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $5,144

View Chart as Image

Car insurance rates for a Buick Regal also range considerably based on your risk profile, the model of your Regal, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,100 a year. View Rates by Age

Your home state also has a big influence on Buick Regal insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

How to Find Cheaper Buick Regal Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the material that was touched on in the above illustrations.

• Consumers who want higher liability limits will pay around $490 per year to raise from a 30/60 limit to 250/500 limits
• Teens have the highest car insurance rates, with premiums being up to $429 each month if full coverage is included
• Drivers with multiple at-fault accidents may pay on average $1,580 more annually for Regal insurance
• 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.