Car insurance for Buick

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Buick has been offering innovation and technology in its models for over a century. One of the best ways to protect your investment in your new or used Buick is by purchasing car insurance, which is required in almost every state.

Car insurance costs are personalized and depend on a number of factors like driver age (except in Hawaii), claims history and driving history. In addition, your vehicle make and model will also impact the average cost of car insurance. For example, sports cars tend to be more expensive than sedans, but SUVs can be surprisingly affordable. Plus, car insurance companies charge different rates for the same makes and models, which is why shopping around for car insurance for your new (or used) Buick might be able to help you save on insurance costs. Bankrate has obtained 2021 rate data from Quadrant information services to give you a starting point for your search.

Car insurance for Buicks: by model

Car insurance costs for Buicks can be expensive, in part because it is considered a luxury car brand. We included the average annual full coverage car insurance premium for some of Buick’s best-selling models in the table below. Actual rates will vary based on your unique personal profile, but sample rates can help you get a sense of what certain car insurance carriers might charge.

Buick car insurance Average annual full coverage premium
Buick Enclave $1,663
Buick Envision $1,670
Buick Lacrosse $1,838
Buick Regal $1,775

Cheapest car insurance companies for Buick Enclave

The Buick Enclave is the company’s mid-size luxury SUV, with a starting price of $40,300. Amica offers the cheapest Buick Enclave insurance for a full coverage policy, and USAA offers the cheapest annual rate for a minimum coverage policy. However, USAA only offers coverage to military personnel, veterans and their eligible family members. If you do not qualify for USAA, Amica also offers the cheapest annual rate for a minimum coverage policy. In the table below, we included the cheapest car insurance rates for the Buick Enclave from five of the best car insurance companies with the largest market share.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $351 $1,290
Geico $393 $1,407
State Farm $456 $1,506
Erie $430 $1,313
Amica $379 $1,269

Cheapest car insurance companies for Buick Envision

The Envision is Buick’s compact SUV, which has a starting price of $31,800. If you own an Envision, the cheapest provider for a full coverage policy is Erie, and the cheapest provider for a minimum coverage policy is Amica. In the table below, you can see the cheapest companies for Buick Envision insurance and the average annual full and minimum coverage rates.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $370 $1,334
Geico $397 $1,348
State Farm $438 $1,438
Erie $430 $1,252
Amica $367 $1,338

Cheapest car insurance companies for Buick Lacrosse

The Buick LaCrosse was officially taken out of the U.S. lineup in 2019. But due to the popularity of the LaCrosse, finding a pre-owned model is pretty easy. The cheapest Buick Lacrosse insurance provider is USAA for both a full coverage and minimum coverage policy. But if you do not meet USAA’s eligibility requirements, then you can also find cheap coverage for your Buick Lacrosse with Erie and Amica. Keep in mind that you can always switch carriers to get a lower rate down the line if you find a better rate elsewhere. In the table below, we included the average rates for Buick Lacrosse insurance from five popular car insurance companies.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $342 $1,358
Geico $365 $1,585
State Farm $450 $1,574
Erie $430 $1,391
Amica $345 $1,453

Cheapest car insurance companies for Buick Regal

The Buick Regal is another discontinued vehicle, but insurance costs should be somewhat affordable if you pick up a used model. USAA has the cheapest Buick Regal insurance for full coverage insurance and minimum coverage insurance. Erie is the second cheapest option if you are not affiliated with the military and do not qualify for USAA coverage. Here are the cheapest car insurance companies for the Buick Regal.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $340 $1,169
Geico $376 $1,475
State Farm $456 $1,463
Erie $430 $1,296
Amica $345 $1,395

Other car insurance coverage for Buicks

In almost every state, drivers are required to carry car insurance. The state minimum amount varies by state, but all that require it have a liability insurance minimum. This coverage protects the other person and their vehicle if you are at fault in an accident. Depending on the year, make and model of your Buick, you may want to consider the additional insurance costs for full coverage car insurance. Full coverage includes collision and comprehensive coverage, which will pay for damages to your car in many circumstances.

Buick owners can also benefit from optional car insurance coverages that offer more protection. Roadside assistance is one of the most popular policies, which may cover the cost of towing, flat tire changes, fuel delivery and more. You might also consider accident forgiveness, which may keep your rate from increasing after your first collision.

If you lease or finance your Buick, gap insurance can come in handy. If your car gets totaled, gap insurance pays the difference between your remaining loan balance and the car’s diminished value. In the event that your car gets damaged beyond repair, new car replacement coverage can reimburse you for the cost of your old vehicle’s value, so you can buy a new one.

Frequently asked questions

What is the best insurance company?

The best insurance company offers the coverage you need at a price you can afford. Insurance costs are based on many factors, including your ZIP code (except in California and Michigan), driver age (except in Hawaii), claims and tickets history, the type of coverage you choose and the make and model of the car you drive.

Is Buick expensive to insure?

Since costs vary by personal, demographic and vehicle criteria, it’s hard to say if insuring your Buick will be more expensive than average car insurance rates in your area. Compared to the average cost of car insurance in the U.S. of $1,674 per year for full coverage, many Buick models are less expensive to insure on average, especially with the carriers we examined. Your actual rates are based on your personal circumstances and will vary.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Buick of the following model types, commute five days a week and drive 12,000 miles annually:

  • Buick Enclave
  • Buick Cascada
  • Buick Envision
  • Buick Lacrosse
  • Buick Regal

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor