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 for full coverage insurance. Comprehensive costs an estimated $270 a year, collision costs $484, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $2,938. 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:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Regal trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area and risk profile, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $781
• Choosing higher $1,000 deductibles can save approximately $1,184 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,354
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,686
• Unlucky drivers with multiple tickets or accidents could pay up to $2,938 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,144 each year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Buick Regal insurance prices. A good driver about age 40 could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,830 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so the rates will be varied from one company to the next.

How to Find the Best Buick Regal Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the coverage data covered in the above illustrations.

• It is possible to save approximately $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Youthful drivers are charged the highest rates, possibly costing $429 each month for full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,580 more annually than a low-risk driver

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.