WHY YOU CAN TRUST JERRY
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Buick car insurance costs, on average, $2,334 per year. The exact cost for you will depend on a number of factors from your location to your driving record, to the particular model of Buick you drive. It will also depend on the insurance company that you choose.
A lot of drivers pay more than they have to for car insurance simply because they don’t have the time to shop around and compare the rates that various insurance providers offer. Drivers who do take the time to shop and compare often find a better deal than the one they already have. The result can be hundreds—even thousands—of dollars in savings a year on car insurance.
If you don’t have the time or energy to shop around, there is a solution: Jerry.
Jerry is the world’s first car insurance comparison super app. A licensed broker, Jerry helps you find the coverage you’re looking for at the best possible rate, saving you both time and money. In this article, Jerry will show you why Buick insurance costs what it costs, and how you can get the best car insurance deals available.
How much does Buick car insurance cost?
Buick straddles the line between luxury brand and mass-market carmaker. For that, you can expect to pay higher insurance premiums than mass-market-focused brands like Honda or Toyota, though not as high as more refined up-scale brands like Mercedes-Benz or BMW.
The reasons for this are:
- Buicks use premium interior materials rather than the cheap hard plastics found in economy cars, which makes repairs and replacements more expensive.
- Buick has an excellent reputation for safety.
- Buicks have an above-average reliability rating, which means they are less likely to need repairs.
Let’s look at how Buick insurance costs stack up to other car brands:
Insurance factors don’t always carry the same weight when calculating your insurance cost. If you have an older Buick, replacement parts may be more expensive and harder to find, which would raise the cost of repairs and, therefore, your insurance. Your older Buick will probably also have fewer safety features, so the potential cost of an accident increases, forcing your insurance rates up.
Different companies measure these factors differently, and the only way you can be sure you’re getting the best deal on your car insurance is to shop around and compare quotes from several insurance providers. And that’s exactly what Jerry does.
In just 45 seconds the Jerry app analyzes car insurance quotes from over 50 top insurance providers and measures them against your current insurance policy. Instead of spending hours clicking around online or calling dozens of brokers, Jerry does all the work and brings the results right to your phone.
So many drivers pay more than they need to for car insurance because they don’t take the time to shop around. Don’t be that driver. Let Jerry show you a better way.
Just look at the kind of Buick insurance quotes you can get by using the Jerry app.
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| November 6, 2022 | Buick Encore Preferred | $447/mo. | $268/mo. | New Orleans, LA | 70129 | Tillie S. | 27 | Progressive |
| September 9, 2022 | Buick Enclave | $197/mo. | $108/mo. | Maryland Heights, MO | 63043 | Hilda H. | 37 | Progressive |
| April 17, 2022 | Buick Enclave CXL | $135/mo. | $118/mo. | Louisville, KY | 40272 | Hannah J. | 64 | Progressive |
| December 19, 2021 | Buick Century Limited | $188/mo. | $138/mo. | Midway, GA | 31320 | John E. | 35 | Mercury |
| June 20, 2021 | Buick Century Custom | $266/mo. | $89/mo. | Warner Robins, GA | 31093 | Lloyd M. | 53 | Mercury |
How much insurance do you need for a Buick?
How much insurance you need for your Buick hinges on several factors, like your vehicle’s age and what state you reside in.
Most states require drivers to carry some form of car insurance. State minimum insurance requirements vary from state to state, but they usually include bodily injury liability and property damage liability. This type of insurance pays for damage that you cause to third parties if you are at fault in an accident.
But some states require you to purchase more than just liability coverage. Here are common coverages found in some states’ minimum car insurance requirements:
- Uninsured/underinsured motorist coverage: This coverage pays for damage caused by uninsured drivers who cannot cover your expenses out-of-pocket.
- Personal injury protection (PIP): This type of insurance covers medical costs, as well as rehabilitation and funeral expenses for everyone in your car.
- Medical payments (MedPay) coverage: Covers some medical expenses for you and your passengers
While the state minimum is technically all the insurance you are required to purchase, it may not be enough coverage for your needs. If you drive an old 2001 Buick Century, you might not be too concerned about protecting it from damage and theft, but if you have yourself a brand new 2022 Buick Enclave, you might want to consider protecting your valuable asset with collision and comprehensive coverage.
Comprehensive coverage protects you against things like hail, theft, and vandalism, and collision coverage pays for repairs to your vehicle following an at-fault accident. You can purchase these types of coverage individually, or both at once for something called “full coverage” car insurance.
If you are financing your Buick, your lender may require you to purchase full coverage insurance as well as gap insurance, which pays off the balance of your car loan if your car is written off.
Buick car insurance rates by model
One of the key factors that affect your car insurance cost is your vehicle’s make and model. Generally speaking, smaller, less expensive vehicles, like the Buick Encore or Buick Envision, tend to be cheaper to insure than bigger, luxury vehicles, such as the Buick Enclave.
That’s not all that gets factored into your insurance rates, though, so let’s take a closer look at the average annual insurance costs for some of Buick’s more popular models and see how your car’s make and model influence your insurance rates.
How much does Buick Enclave insurance cost?
The Buick Enclave rests at the top end of the Buick lineup. It is the largest of the American carmaker’s three SUV offerings, with seating for seven and 97 cubic feet of cargo space.
It’s also the company’s fanciest model with features like power-adjustable heated front seats, leather-wrapped steering wheel, and a swath of advanced driver-assist features. These factors make the Enclave the most expensive of the three Buick SUVs currently in production.
These costs vary for Enclave drivers based on the year and trim level of their particular model, as shown in the table below.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Buick Enclave | $2,089 | $1,194 |
| 2020 Buick Enclave | $1,020 | $1,083 |
| 2019 Buick Enclave | $2,013 | $3,056 |
| 2018 Buick Enclave | $2,266 | $1,322 |
| 2017 Buick Enclave | $3,092 | $1,650 |
Take a look at our deep dive into Buick Enclave insurance costs!
How much does Buick Envision insurance cost?
Compact and courtly, the Buick Envision is the company’s compact crossover. It is encrusted with luxury options like wireless charging and a massaging driver’s seat, but that high-end sensibility comes with high insurance rates. Surprisingly, the Envision is less expensive to insure than its sub-compact sibling, the Buick Encore, despite having a larger price tag of $32,845 to start.
The table below shows the rates for full and minimum coverage for different Envision years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Buick Envision Preferred | $2,089 | $1,194 |
| 2020 Buick Envision Preferred | $1,020 | $1,083 |
| 2019 Buick Envision Preferred | $2,013 | $3,056 |
| 2018 Buick Envision Preferred | $2,266 | $1,322 |
| 2017 Buick Envision Preferred | $3,092 | $1,650 |
For more, check out our deep dive into Buick Envision insurance costs!
How much does Buick Encore insurance cost?
The sub-compact Buick Encore is small in stature and light on frills. Seating is limited and safety ratings are mixed, which is probably why this featherweight SUV packs a bigger insurance punch than its welterweight sibling, the Buick Envision.
Below is a look at what Encore drivers can expect to pay for both minimum and full coverage based on their vehicle’s year.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Buick Encore | $2,089 | $1,194 |
| 2020 Buick Encore | $1,020 | $1,083 |
| 2019 Buick Encore | $2,013 | $3,056 |
| 2018 Buick Encore | $2,266 | $1,322 |
| 2017 Buick Encore | $3,092 | $1,650 |
Want to know more? Take a look at our in-depth guide to Buick Encore insurance costs!
How much does Buick Regal GS insurance cost?
In 2019, Buick made the decision to transform into an SUV company, and with that, the Buick Regal took its final bow in 2020. The Regal GS is a sporty-ish number with a 310-horsepower V-6 engine and a 0–60 time of just 5.4 seconds. It was never crash tested by either the NHTSA or the IIHS, so there’s little safety data to work with, and standard safety features are scant. All that power combined with questionable safety is a recipe for high insurance prices.
Take a look at the table below to see how that cost changes from model year to model year.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Buick Regal Gs | $2,089 | $1,194 |
| 2020 Buick Regal Gs | $1,020 | $1,083 |
| 2019 Buick Regal Gs | $2,013 | $3,056 |
| 2018 Buick Regal Gs | $2,266 | $1,322 |
| 2017 Buick Regal Gs | $3,092 | $1,650 |
Need more info? Check out our guide to Buick Regal GS insurance costs!
Compare Buick car insurance quotes
Finding generic online insurance quotes has never been easier, but finding quotes specifically tailored to your needs, your vehicle, and your driver profile is a different story. You deserve the right insurance for your situation, and Jerry is here to help.
Just download the Jerry app and punch in your info. In about 45 seconds Jerry will show you personalized quotes for your Buick insurance from the best insurance providers around—and because Jerry is an accredited insurance broker, you can rest assured that you’re getting the most accurate information possible.
Best car insurance companies for your Buick
There are dozens of great insurance providers offering fantastic rates on Buick insurance like GEICO, Progressive, and Nationwide, to name just a few. But, there is no single company that offers the lowest price for all Buicks.
Not even Cheapest Buick Insurance, Inc. has the cheapest rates for every Buick model. The reason is that every insurance company uses a different process to figure out your insurance premiums. One provider may place greater importance on Buick’s safety features, while another might place more importance on Buick’s reputation for reliability.
Jerry can compare the rates from all of these different companies—fast—so it’s easier than ever to get the best price for the coverage you need to keep you and your Buick protected.
Take a look at how different insurance companies quote for Buick models and imagine the money you could save by switching with Jerry.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,424 | $1,050 | |
| National General | $2,748 | $1,020 | |
| Kemper | $2,701 | $982 | |
| Safeco | $2,772 | $976 | |
| Clearcover | $2,768 | $969 | |
| Progressive | $2,767 | $904 | |
| State Auto | $2,764 | $826 | |
| Travelers | $2,459 | $798 | |
| Nationwide | $2,397 | $794 | |
| Allstate | $2,603 | $765 | |
| Compare Prices | |||
Buick auto insurance cost by driving record
While the year and model of your Buick do factor into the calculation of your insurance premiums, your driving record has a big impact on your rates as well.
Basically, the less trouble you get into on the road, the less you’ll pay for car insurance. Even smaller violations, like a failure to yield citation, can lead to higher insurance rates. Buick drivers with a DUI on their driving record can expect to pay $2,334 more for car insurance per year, while a less serious violation can add $1,660 to your annual premium on average.
This table details how much you stand to save just by keeping your driving record clean.
Buick car insurance cost by location
Your location also accounts for a lot when calculating your car insurance premiums. Different states have different perils to factor in. For example, Buick owners in Texas are much more likely to encounter a tornado than Buick owners in New York. On the other hand, drivers in New York are more likely to get into an ice-related collision in the wintertime. Buick owners in both states can expect to pay different rates, even if their vehicles are of the same year and model.
Take a look at the table below to see how your insurance rates measure up to your state’s average.
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
