Buick Auto Insurance (2024)
Buick auto insurance averages $142/mo for full coverage, though Buick car insurance rates vary by model. For example, average Buick Enclave insurance rates are $147/mo. We'll help you compare Buick auto insurance quotes, Buick insurance coverage options, and find the cheapest Buick car insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Buick auto insurance rates tend to follow the national average, which is about $39 a month for minimum insurance and $142 for full coverage
- Rates vary significantly by model, with LaCrosses and Veranos having the cheapest quotes and Cascadas the highest
- Buick drivers can save by finding discounts, signing up for usage-based insurance programs, and comparing rates
Buick auto insurance rates are around the national average, though rates vary based on several factors that affect auto insurance rates. For example, young drivers, people with a DUI on their record, or people with low credit scores tend to see much higher rates for their Buick car insurance.
Finding affordable Buick auto insurance isn’t usually a challenge, whether you want to buy your state’s minimum insurance or a full coverage policy.
Read on to explore your Buick auto insurance options and how you can find the lowest rates. Then, compare rates with as many companies as possible to find the best policy for your Buick.
Buick Auto Insurance Coverage Options
The type of auto insurance coverage you should buy depends on your needs. For example, most drivers who own their car and can afford to replace it can buy their state’s minimum insurance. If you have a car loan or lease, you’ll probably need full coverage auto insurance. Even if you own your car outright, full coverage offers better protection and might be right for you.
While there are many types of auto insurance, some of the most popular coverage options for Buick drivers include:
- Liability: Most states require a minimum amount of liability auto insurance before you can drive, which pays for damage and injuries you cause in an at-fault accident.
- Collision: Liability insurance doesn’t cover damages to your car. If you want help with your car, you’ll need collision auto insurance. Collision insurance also covers you if you hit a stationary object, like a tree.
- Comprehensive: Comprehensive auto insurance covers life’s unexpected events, including vandalism, theft, animal contact, fire, floods, and extreme weather.
- Uninsured/underinsured motorist: Although most states require insurance, not all drivers carry it. Uninsured motorist insurance pays for your car if a driver without enough coverage hits you.
- Personal injury protection/medical payments: Medical payments or personal injury protection auto insurance covers health care costs for you and your passengers after any collision.
These are the most popular auto insurance options, but many alternative options exist for Buick drivers. Some commonly purchased auto insurance add-ons for Buick drivers include roadside assistance, rental car reimbursement, and gap insurance.
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Buick Auto Insurance Rates
The average driver pays about $39 a month to meet their state’s minimum auto insurance requirements and $142 for full coverage. While rates vary by several factors, Buick auto insurance rates are about the same as the national average.
Insurance companies consider your unique circumstances when they craft a personalized quote, but the Buick model you choose plays a crucial role. Before you decide where to buy your auto insurance, consider the following rates below.
Buick Auto Insurance Rates by Company
The cheapest company for Buick car insurance depends on your situation, meaning you’ll see vastly different rates based on where you get your Buick auto insurance quotes. Since Buick rates closely match the national average, you can get an idea of how much coverage might cost you below:
Full Coverage Auto Insurance Monthly Rates by Company
| Companies | Average Rates |
|---|---|
| Allstate | $227 |
| Geico | $130 |
| Liberty Mutual | $361 |
| Nationwide | $207 |
| Progressive | $264 |
| Safeco | $706 |
| State Farm | $183 |
| Travelers | $188 |
There’s significant variation between companies, with some of the cheapest options being Geico auto insurance and State Farm auto insurance. On the other hand, Progressive auto insurance, Safeco auto insurance, and Liberty Mutual auto insurance are more expensive.
While these rates represent a company’s offerings fairly, you should always get quotes from multiple sources. For certain factors, some companies are more forgiving than others, so you can see very different rates.
Buick Auto Insurance Rates by Model
While Buick insurance usually matches the national average for coverage, you can still see some variation based on the model you buy. Some Buick models cost more to insure than others, and you can compare auto insurance rates by vehicle make and model below:
Average Monthly Buick Full Coverage Auto Insurance Rates by Model
| Vehicle Model | Average Monthly Auto Insurance Rates |
|---|---|
| 2023 Buick Verano | $135 |
| 2023 Buick Regal | $139 |
| 2023 Buick LaCrosse | $135 |
| 2023 Buick Envision | $143 |
| 2023 Buick Encore | $141 |
| 2023 Buick Enclave | $147 |
| 2023 Buick Cascada | $153 |
The Cascada is one of the most expensive Buicks to insure, primarily because it’s a convertible. Conversely, the Verano and LaCrosse are some of the cheapest models to insure. The LaCrosse and Verano are relatively inexpensive vehicles and have solid safety ratings.
Buick Auto Insurance Rates by Age
While many factors affect your Buick auto insurance rates, one of the most important is your age. Insurance companies charge young, inexperienced drivers more for their coverage because they’re more likely to file claims, get into accidents, and drive recklessly.
Check out the table below to compare average auto insurance rates by age:
Auto Insurance Monthly Rates by Age, Gender, and Coverage Type
| Age and Gender | Full Coverage Rates | Minimum Coverage Rates |
|---|---|---|
| 16-Year-Old Male | $618 | $252 |
| 16-Year-Old Female | $566 | $220 |
| 30-Year-Old Male | $139 | $53 |
| 30-Year-Old Female | $128 | $49 |
| 45-Year-Old Male | $119 | $45 |
| 45-Year-Old Female | $119 | $46 |
| 55-Year-Old Male | $113 | $43 |
| 55-Year-Old Female | $113 | $43 |
| 65-Year-Old Male | $117 | $45 |
| 65-Year-Old Female | $117 | $45 |
While teens and young adults pay more for auto insurance, there’s some good news: if you keep your driving record clean, your rates will lower around age 25. You should also learn how to get a good student auto insurance discount if you have good grades. Read more about auto insurance for teens.
Buick Auto Insurance Rates by Model Year
The year of your Buick also affects your car insurance quotes. Check out the table below to see how your Buick model year impacts your rates:
Buick Encore Average Auto Insurance Rates by Model Year
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2020 Buick Encore | $27 | $47 | $31 | $118 |
| 2019 Buick Encore | $26 | $45 | $33 | $116 |
| 2018 Buick Encore | $25 | $45 | $33 | $116 |
| 2017 Buick Encore | $24 | $44 | $35 | $115 |
| 2016 Buick Encore | $23 | $42 | $36 | $114 |
| 2015 Buick Encore | $22 | $40 | $37 | $112 |
| 2014 Buick Encore | $21 | $38 | $38 | $109 |
| 2013 Buick Encore | $20 | $35 | $38 | $107 |
Generally, auto insurance for older cars is cheaper than coverage for new vehicles. For example, 2013 Buick Encore auto insurance cost is $35 less monthly than full coverage for a brand-new Buick. So, it’s vital to compare rates by model year to find affordable Buick auto insurance.
Factors Affecting Your Buick Auto Insurance Rates
Companies look at the same factors to determine your Buick car insurance rates, whether you’re buying a used vehicle or need auto insurance for a luxury car. The following factors will affect your rates when you’re shopping for Buick auto insurance coverage:
- Age and gender: Age and gender significantly impact rates because companies carefully track who makes claims. Young, inexperienced drivers and men tend to file more claims, so they pay more for insurance. To find low Buick rates, compare average auto insurance rates by age.
- Location: Auto insurance rates by ZIP code vary. Since insurance companies track location, your Buick auto insurance rates can change drastically by moving even a single ZIP code over.
- Model of your Buick: You saw above that Buick models come with different rates. The primary reasons behind the price differences are your car’s cost, safety ratings, and body style.
- Credit score: It might be a surprise, but most states allow insurance companies to use your credit score as part of your rates. The lower your credit score, the higher your insurance rates will be. Learn more about auto insurance and credit scores.
- Marital status: Married couples file fewer claims than single drivers, so they usually see slightly lower rates. Compare rates from the best auto insurance companies for married couples to find the lowest Buick insurance quotes.
- Driving history: Finding affordable Buick auto insurance coverage with a bad driving record can be difficult. Serious driving infractions like speeding tickets, at-fault accidents, and DUIs will dramatically affect your rates. You might need high-risk auto insurance if you have too many.
The amount of coverage you need also affects how much you’ll pay for auto insurance. Some drivers who own their car and can afford to replace it outright can probably get away with the minimum insurance required by your state. However, drivers with a loan or lease should get full coverage to fully protect their Buick.
How to Get Affordable Buick Auto Insurance Quotes
Buick auto insurance rates are relatively affordable, but it never hurts to get cheaper insurance. Try the following tips to find even lower insurance quotes:
- Park in a safe spot. Insurance companies are more comfortable insuring a car parked in a safe place every night. If you park in a covered garage or driveway, you’ll see lower rates.
- Enroll in a telematics program. Most companies offer usage-based auto insurance for lower rates. If you regularly practice safe driving habits, you can save up to 40% on your insurance.
- Look for discounts. Most auto insurance companies offer auto insurance discounts to help you save. Consider how many discounts are available when looking for auto insurance.
- Keep your record clean. Since you pay more if you have driving infractions on your record, avoiding incidents will keep your insurance rates low. Read more about how auto insurance companies check driving records.
- Add security. Security systems like audible alarms and GPS tracking will keep your insurance rates low if you have comprehensive coverage. Speak with your insurance company if you’re wondering how to get an anti-theft auto insurance discount for your Buick.
Since companies use unique formulas to determine rates, you can see many different prices when you get personalized Buick auto insurance quotes.
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Some companies are more forgiving than others when it comes to insurance. For example, Geico has some of the lowest rates for people with low credit scores, while State Farm auto insurance has some of the highest.
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Find the Best Buick Auto Insurance Today
No matter which model you buy, most Buicks come with affordable auto insurance rates that match the national average. While rates are usually affordable, drivers can save by looking for the best Buick auto insurance discounts, installing security systems, and signing up for a usage-based program.
One of the easiest ways to find affordable Buick auto insurance rates is to compare rates with as many companies as possible. You’ll likely overpay for auto insurance if you don’t get multiple Buick auto insurance quotes.
Frequently Asked Questions
Are Buicks expensive to insure?
While Buick auto insurance rates vary by several factors, Buicks are usually affordable cars to insure. Buick auto insurance costs $142 monthly for full coverage and $39 for liability. However, some Buick models cost more to insure than others.
What is the cheapest auto insurance to go through?
The cheapest auto insurance company for you depends on your unique situation. However, State Farm, Geico, and Progressive are usually the most affordable options.
Are there specific auto insurance discounts available for Buick owners?
Yes, Buick auto insurance could be eligible for Buick-specific discounts. Some companies offer Buick car insurance discounts based on safety features, anti-theft devices, or driver assistance systems.
How much are Buick Enclave auto insurance rates?
You’ll pay $147 per month for Buick Enclave insurance rates, though they’ll vary. You won’t know exactly what your coverage costs until you get a Buick auto insurance quote.
Is Buick auto insurance any different from insurance for other car brands?
Buick auto insurance is similar to insurance for other car brands. However, factors such as the model of the Buick, its value, safety features, and the driver’s profile can influence insurance rates. Insurance providers consider these factors along with the usual criteria when determining premiums for Buick vehicles.
What types of coverage are available for Buick auto insurance?
Buick auto insurance typically offers the same coverage options as insurance for other vehicles. These options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and optional coverages such as roadside assistance and rental reimbursement. The specific coverage options available may vary depending on the insurance provider and policy.
Are there any specific Buick models that may have higher or lower insurance rates?
Insurance rates for specific Buick models can vary based on factors such as the model’s safety features, repair costs, and theft rates. Generally, Buick models known for their safety features and low theft rates may have more favorable insurance rates. However, it’s important to obtain quotes from insurance providers to understand the specific rates for the Buick model you own or are considering purchasing.
Can I use any insurance provider for my Buick, or are there recommended companies?
You can choose any insurance provider for your Buick vehicle. However, it’s recommended to research and compare quotes from different insurance companies to find the best coverage and rates for your specific needs. Consider factors such as the company’s reputation, customer service, coverage options, and financial stability when selecting an insurance provider for your Buick.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.