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 insurance prices for a Buick Regal are $1,376 every 12 months with full coverage. Comprehensive costs approximately $286 a year, collision costs $502, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing around $2,976. Teen drivers receive the highest rates at $5,172 a year or more.

Average premium for full coverage: $1,376

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Regal trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below details estimated Buick Regal insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $1,198 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,376
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,722
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,976 or more
• The cost to insure a 16-year-old driver can cost $5,172 or more

View Chart as Image

Insurance rates for a Buick Regal can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Regal.

Choosing high deductibles could cut rates by as much as $530 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

Where you live has a huge impact on Buick Regal insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different.

How to Shop for More Affordable Buick Regal Insurance

Saving money on insurance for a Buick Regal requires having a decent driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the concepts that were covered above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,600 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $431 per month if they have full coverage
• You may be able to save around $160 per year simply by quoting early and online
• Increasing deductibles could save as much as $525 each year
• You may be able to save around $160 per year simply by quoting early and online

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.