Best Buick Car Insurance Rates in 2024

The amount you’ll pay for your insurance depends on the vehicle you drive, and most Buicks are favored by insurance companies because of the safety they offer. Average Buick car insurance quotes are $142 a month, which matches the national average.

Although Buick car insurance rates are usually affordable, many ways exist to save even more. Learn more about Buick car insurance costs below, then compare Buick car insurance rates with as many companies as possible.

Compare Buick Car Insurance Rates

Buick car insurance rates generally follow the national average, with models ranging a bit over or under in coverage prices. The average driver pays about $142 in car insurance, though several factors will change your rates.

One of the most important aspects of your car insurance rates is the type of Buick you drive. Check below to see how much you might pay for insurance based on the Buick model you buy.

[Table for Buick car insurance rates]

As you can see, there isn’t a lot of variation between Buick models. There’s only an $18 difference between the cheapest and most expensive Buick models to insure.

Compare Buicks Auto Insurance Rates by Model

Explore Buick car insurance rates for specific models, including the Enclave, LaCrosse, Lucerne, Regal, Regal Sportback, and Rendezvous. This detailed comparison sheds light on the diverse insurance costs associated with each Buick model, offering valuable insights to aid you in making informed decisions about coverage based on your specific vehicle choice.

The Best Car Insurance for Buicks

When you’re ready to buy insurance, understanding the different types of insurance can feel overwhelming. It can be especially challenging if you don’t know how much coverage your Buick needs.

There are two main types of insurance policies. The first is minimum insurance, which is the least amount you can buy in your state and still legally drive. Most states require liability insurance, and personal injury protection or uninsured motorist are often included.

Full coverage offers much better protection for your car but can cost twice as much as minimum insurance. It includes a variety of insurance types that cover you and your vehicle from most of what the road can throw at it.

Before you decide how much to buy, check out the basic types of insurance below:

• Bodily injury liability: The first half of liability insurance pays for injuries you cause to other drivers, their passengers, and bystanders like pedestrians or bicyclists.
• Property damage liability: The second half covers damage to other people’s property, including buildings and cars. It never covers your own vehicle.
• Collision: If you want help paying for your car repairs after an at-fault accident, collision insurance is your best option.
• Uninsured/uninsured motorist: If you’re hit by a driver without enough coverage or are the victim of a hit-and-run, uninsured motorist insurance will pay for your car repairs and medical expenses.
• Medical payments/personal injury protection: Depending on where you live, you can buy medical payments or personal injury protection insurance to pay health care costs for you and your passengers.
• Comprehensive: For everything that damages your car outside a collision, there’s comprehensive insurance. Comprehensive insurance covers fires, floods, extreme weather, animal contact, vandalism, and theft.

While buying every type of insurance gives your car the best protection, it might not be necessary. Drivers with a car loan or lease usually need full coverage. It’s also a good idea if your Buick is new or valuable, even if you own it outright.

On the other hand, drivers with an older, less valuable Buick can probably skip the extra coverage. It won’t protect your car, but minimum insurance is cost-effective for people with older vehicles.

Factors That Affect Your Buick Car Insurance

Although Buicks tend to come with affordable insurance rates, there are a lot of factors that can either raise or reduce your prices. Before you decide how much insurance to buy, you should understand how the following factors impact your rates:

• Location: Insurance companies carefully track not only who makes claims but also where they make the claims. ZIP codes with more accidents, claims, and thefts pay higher rates than other areas.
• Marital status: Married people file fewer claims than drivers who are single, divorced, or widowed, so you’ll see slightly lower rates if you’ve tied the knot.
• Age and gender: Insurance companies track several demographics, but two of the most important are your age and gender. Young drivers and men file more claims, so they pay higher rates.
• Your car: Your car’s model, age, and title history play an important role in your insurance rates. For example, older cars usually have lower rates because they cost less to repair or replace.
• Credit score: It might surprise you, but insurance companies can look at your credit score to craft your insurance rates in most states. The lower your credit score, the more you’ll pay for insurance.
• Driving history: Insurance companies want customers with clean driving records because they’re less likely to file claims. You can see much higher rates if you have even a single violation.

Your rates are also determined by how much coverage you buy. The amount you should purchase for a Buick depends on its age. Newer Buicks usually benefit from full coverage car insurance, while you can probably purchase minimum insurance if your Buick is older. Full coverage costs more than minimum insurance but offers much better protection.

Tips to Save on Buick Car Insurance Rates

Buicks tend to have affordable car insurance rates and often match the national average. Although the average Buick driver tends to see low prices, you can save even more with the following tips:

• Enroll in telematics. Insurance companies offer usage-based car insurance programs to help safe drivers save. Signing up for telematics might be right for you if you regularly practice safe driving habits.
• Find discounts. Some of the most helpful car insurance discounts to look for are savings for remaining claims-free, paying for your policy in full, and taking a defensive driving course.
• Keep your car safe. Insurance companies want to know you’re keeping your vehicle as safe as possible, so they offer lower rates if you have safety devices installed and keep your car parked in a safe spot every night.
• Lower your coverage. If you own your car, you can often choose a lower amount of coverage to save on your monthly rates. However, this will leave you vulnerable to out-of-pocket expenses if your car is damaged.
• Raise your deductible. Raising your deductible will save you money, but it should only be done if you have no other options. Raising your deductible means you’ll have to pay more if you need to make a claim.
• Practice safe driving. Keeping your driving record clean is one of the most important ways to get low rates. At-fault accidents or speeding tickets can dramatically increase your rates.

Drivers should always compare rates with the best car insurance companies for Buicks to find the lowest prices. For example, Progressive is usually an affordable company for Buick drivers. However, drivers with low credit scores should usually avoid Progressive because it has some of the highest rates for people with lower credit scores. You can learn more in our Progressive car insurance review.

Compare Buick Car Insurance Rates Today

No matter which type of Buick you buy, your car insurance should be relatively affordable. Buick car insurance tends to match the national average, but there are plenty of ways to save even more. From raising your deductible to finding every discount you’re eligible for, finding affordable Buick insurance usually isn’t a challenge.

You’ll probably find affordable insurance rates no matter which model you buy. Of course, the best way to ensure you don’t overpay for your insurance is to compare quotes from multiple companies.