Best Car Insurance for Buick 2021

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On average, Buick drivers pay $1,658 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Encore costs $1,684 more more per year to insure than a Encore Preferred.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their Buick.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
August 12, 2021Buick Lucerne CXLColumbus, GA44MercuryCurrent$108/mo.$64/mo.
January 7, 2021Buick VeranoSan Antonio, TX31Commonwealth InsuranceCustom$160/mo.$87/mo.
May 20, 2021Buick Regal LSBristol, CT46AllstatePredicted$138/mo.$89/mo.
June 11, 2021Buick Encore ConvenienceLewisville, TX42TravelersCustom$156/mo.$91/mo.
January 5, 2021Buick Regal LSPhoenix, AZ19KemperBasic$215/mo.$170/mo.

Best insurance carriers for your Buick

Pricing and Reviews

When insurance companies determine your premium, they look at factors like your demographics, location, and driving record. They each have a unique formula, though, which means that the same coverage could cost different amounts across insurers.
The cheapest insurer for Buick is Commonwealth Insurance, with an annual premium of $1,128.
Other popular carriers for Buick include the following:
Nationwide
Drivers who are tech-savvy and have a safe record will like Nationwide. Their robust online platform, great mobile app, and intuitive website earn them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the biggest insurers in the country, so it’s no wonder that they have a wide range of coverages, strong financial stability, and lots of discounts and features. Progressive is a good option for tech-savvy and high-risk drivers. Jerry rates it a 4.6/5
Kemper
Kemper specializes in serving high-risk drivers. It files SR22 forms for drivers who require proof of coverage and even provides insurance for rebuilt salvage vehicles. Jerry rates Kemper a 4.3/5.
Safeco
Affordable coverage for young drivers is available with Safeco. Safeco also has a cashback program, which offers a small refund for every six months that you remain claims-free. Jerry rates Safeco a 4.5/5.
Allstate
Allstate is a big name in insurance and has an impressive network of agents and repair shops. The company offers lots of helpful digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Jerry gives Allstate a rating of 4.5/5.
Travelers
If you’re looking for insurance add-ons, Travelers is a great choice. Options include roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. There are also various discounts to help lower premiums, such as for good students or safe drivers. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto offers good value for safe and experienced drivers. With a wide range of coverage options and the ability to file claims online, Safe Auto earns a rating of 4.1/5 from Jerry.
National General
For high-risk drivers, National General is an excellent choice. Their claims satisfaction guarantee is available in most states and means that they’ll waive your deductible up to $250 if you’re unhappy with your claims experience. Jerry rates National General a 4.1/5.
Dairyland
Dairyland is also a good option for drivers who are classified as high risk. Benefits include flexible payment plans plus live claims support 24/7 in almost 40 states. Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover
Tech-savvy drivers will find a great provider in Clearcover. Their award-winning app lets you file a claim, pay your premium, and access proof of insurance—all at the touch of a button. Jerry rates Clearcover a 4.1/5.

How to compare prices to find the most affordable coverage

When you’re shopping for good insurance coverage, the cheapest option usually isn’t the best. While it can be tempting, forgoing coverage to save money can leave you in a tricky financial situation if you get into an accident.
Comparing rates from three to five different providers will help you find the best option. Usually, that means heading to their websites, filling out long forms, and getting your quotes.
Not with Jerry! Jerry is a licensed broker that gathers and compares affordable quotes, helps you switch plans, and even cancels your old policy to save you the trouble. It’s totally free to use and the average Jerry customer saves $897 per year on their car insurance.
Here’s how much drivers paid with various insurance carriers before and after switching with Jerry.
Filters
RankCompany nameAvg. Annual Premium
1Travelers$1,715.97
2Kemper$1,821.57
3Progressive$1,859.51
4National General$2,044.72
5Nationwide$2,093.09
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a Buick

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a Buick is $1,598 per year for minimum car insurance and $3,085 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
Your rate might be different depending on the coverage you decide to purchase. Remember: each state has minimum insurance requirements that you must meet to legally hit the road.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
If you can afford it, you should always purchase more than the mandatory minimum coverage. Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If the accident was your fault, you’ll be on the hook for paying costs out of pocket if you don’t have the right insurance.
If you’re leasing or financing a Buick, your lender or dealer will likely require you to purchase full-coverage insurance. You should also purchase full coverage if you can’t afford to replace your car in the event that it’s totaled.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a Buick with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Buick$2,276$1,543$1,935$1,256$2,726$1,925

Cost of insuring based on age and driving record

Your age and driving record gives insurance companies a peek into your experience and risk level—which is why they weigh these factors so heavily when setting premiums.
Statistically speaking, younger drivers tend to get into more accidents and engage in riskier driving behavior. For this reason, they usually pay higher rates than older, more experienced drivers.
Traffic violations also impact your premium. Minor infractions, like speeding tickets, might cause your rates to rise slightly. If you’re convicted of serious offenses, like a DUI or reckless driving charge, you’ll likely see your rates jump significantly—and they’ll stay this way for years,
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop over time.
Here’s how accidents and violations can affect car insurance costs for Buicks by age group:
Key Takeaway Insurance costs for your Buick will vary depending on factors like your driving record, age, and insurance coverage needs.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your Buick by year

Most and least expensive years of car

While you might be inclined to go for a brand new Buick, it will cost you more for insurance. Thanks to depreciation, you’ll find better insurance premiums on older Buick models.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Buicks are 1989 and 1990.
The most expensive years for Buicks are 2020 and 2015.
Year
Before Jerry
After Jerry
2021$2,042$1,072
2020$2,203$1,232
2019$2,082$1,204
2018$2,680$1,460
2017$2,200$1,223
2016$2,825$1,344
2015$2,772$1,459
2014$1,970$1,106
2013$2,608$1,375
2012$2,394$1,298
2011$2,290$1,329
2010$2,585$1,356
2009$2,522$1,476
2008$2,200$1,230
2007$1,799$1,018
2006$2,097$1,264
2005$1,762$1,124
2004$1,947$1,053
2003$1,762$1,141
2002$1,354$884
2001$1,827$972
2000$2,268$1,042
1999$1,192$752
1998$2,479$1,116
1997$2,276$809
1996$1,779$1,195
1995$2,166$1,286
1994$2,469$1,196
1993$1,834$1,071
1992$1,176$780
Key Takeaway Older Buicks typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.

Cost of insuring a Buick in your city

Differences in rates of accidents, crime, and natural disasters mean that insurance rates vary depending on where you’re located. Even within the same county or state, rates for the exact same coverage can be very different.
Insurance companies are all about risk—so if your city has lots of collisions, car thefts, or severe weather events, your insurer will deem you more likely to make a claim. This means you’ll be paying more for your insurance coverage.
According to our data, there is a high percentage of Buick drivers in cities including Chicago (IL), Llano (TX), Chesterfield (VA), Philadelphia (PA) and Gainesville (GA).
The cheapest car insurance for Buick for Jerry users is in Hastings (NE) and Arden (NC).
The most expensive car insurance for Buick for Jerry users is in Frostproof (FL) and Crosby (TX).
City
Before Jerry
After Jerry
Llano
$3,460$2,346
Chesterfield
$2,040$1,606
Gainesville
$7,560$4,921
Tallapoosa
$2,388$1,523
Richmond
$2,076$1,768
Jonesboro$2,855$2,025
Philadelphia$3,818$2,755
Chicago$2,002$1,266
Atlanta$3,472$2,404
Houston$2,544$1,625
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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