Buick has been a popular car brand in the U.S. since its debut in 1904. Some consider Buick an entry-level luxury brand, while others classify it as mid-level or premium luxury. Regardless, no matter which kind of Buick you drive, it must be protected by the right car insurance.
An independent insurance agent can help you get set up with the right car insurance for your Buick. They'll match you with the right policy that has all the coverage you're looking for. But first, here's a detailed guide to Buick insurance costs by model.
Key Takeaways - Buick Car Insurance
Buick insurance costs an average of $1,560 per year, or approximately $130 per month, for full coverage.
Buick insurance is a type of auto policy designed to cover this luxury brand, and it includes many of the same types of coverage as those required for standard vehicles.
Buick auto insurance rates are significantly cheaper compared to other luxury brands.
The Buick Verano is the most expensive model to insure of those we compared, costing an average of $2,148 per year, or approximately $179 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Buick model.
What Is Buick Insurance?
Buick insurance is a type of car insurance policy that's designed to include custom coverage for Buicks. These policies include many of the same types of core coverage as needed in any auto policy. However, since Buicks are luxury vehicles, they may require additional protection as well. Buick's custom parts can be expensive to repair or replace, leading to higher insurance rates than for other vehicles.
Recommended coverage options for Buick drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Depending on your location, you may be required by law to have some of these types of coverage. Be sure to work with a local independent insurance agent to get set up with all the required Buick insurance.
How Much Does Buick Insurance Cost?
Buick owners pay an average of $1,560 per year, or approximately $130 per month, for full coverage car insurance. Compared with the cost of car insurance for higher-end luxury auto brands such as Infiniti, BMW, Audi, and Lexus, Buick's rates can be significantly cheaper.
Buick insurance rates can be affected by several factors, including vehicle safety features and ratings, the cost of custom parts, theft rates, and safety scores.
Buick Insurance Costs by Popular Models
Your Buick insurance costs are heavily influenced by the specific model you drive. That's why we've compared average full coverage car insurance rates for just a handful of popular Buick models to provide a price range.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Buick Encore | $1,563 | $130 |
| Buick Envision | $1,645 | $137 |
| Buick Enclave | $1,667 | $139 |
| Buick Regal | $1,675 | $140 |
| Buick LaCrosse | $1,765 | $147 |
| Buick Verano | $2,148 | $179 |
An independent insurance agent near you can help you find affordable car insurance for your specific Buick model.
Are Buicks Expensive to Insure?
Not compared to other luxury vehicles. However, your car insurance costs depend on which type of Buick you drive. Our findings indicated that the Buick Verano is by far the most expensive to insure, while the Buick Encore is the least expensive, and the other three models ranked in the middle.
Buick's lower insurance rates may be due to better safety ratings, lower theft rates, and more affordable custom parts than those of other luxury brands.
What Other Factors Affect Buick Insurance Costs?
Your Buick's make and model partly determine your car insurance premiums. But many other factors go into calculating your car insurance premiums, such as:
- Your age and gender
- Your credit score (where allowed)
- Your marital status
- Your driving history
- Your claims history
- Your location
- The amount of coverage you choose
- The deductible amount you choose
The insurance company you get your coverage through also affects your car insurance rates. Luckily, there are typically many different car insurance discounts available from most insurance companies, including bundling discounts if you get both auto insurance and home insurance through the same carrier. An independent insurance agent can also help you find the best Buick car insurance rates in your area.
Add-On Protections Worth Considering for Your Buick
Your Buick was likely an important investment, so it's worth protecting with extra coverage beyond what's included in standard policies. Consider completing your Buick insurance policy with the following types of coverage:
- Buick warranty insurance: This coverage can extend Buick's manufacturer warranty to help pay for the cost of future routine maintenance and repairs, where available. Ask your dealership how much a Buick extended warranty costs.
- Gap insurance: If you own a new or financed Buick, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your Buick with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay the full cost to replace your vehicle's parts with genuine Buick parts during the repair process. Buick OEM parts insurance helps maintain the integrity of your luxury vehicle's repairs.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
An independent insurance agent can help you find the right types of Buick auto insurance coverage to complete your car insurance policy.
Best Car Insurance Companies for Buick Owners
Whether your Buick is your everyday vehicle or one you only take out for special occasions, you want to protect it with the best coverage available. However, some luxury car insurance carriers have better rates and reliability than others. That's why we've provided some of our top recommendations for the best Buick insurance carriers and their average rates for luxury car insurance.
| Car Insurance Company | Overall Carrier Star Rating | Avg. Annual Full Coverage Premium | Avg. Annual Minimum Coverage Premium |
|---|---|---|---|
| Travelers | 5 stars | $2,638 | $219 |
| Progressive | 5 stars | $2,784 | $232 |
| American Family | 4.5 stars | $2,880 | $240 |
| USAA | 4.5 stars | $2,916 | $243 |
Keep in mind that these rates are for luxury car insurance, so pricing for coverage for your Buick may vary. An independent insurance agent can help you find affordable Buick insurance near you.
How to Lower Your Buick Insurance Premiums
Buick tends to have affordable insurance rates to begin with, but many drivers would still prefer to save as much money as possible on their coverage. Fortunately, there are some easy ways you can reduce the cost of your premiums, such as:
- Ask about Buick insurance discounts: Many luxury auto insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save quite a bit on your coverage.
- Choose a higher deductible: Setting a high deductible can lead to lower premiums, but keep in mind that you'll have to pay more out of your own pocket if you file a claim.
- Ask about telematics programs: Buick itself or your insurance company may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your insurance rates.
- Maintain a clean driving record: Keeping your record free of accidents, tickets, and other traffic violations can help you earn good driver discounts and even lower your premium rates.
- Compare quotes from multiple carriers: Shopping and comparing policies from multiple car insurance companies can help you find the most affordable Buick insurance coverage. A local independent insurance agent can complete this task for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Buick.
Your independent insurance agent can help you find cheap Buick insurance and add any car insurance discounts you qualify for to increase your overall savings as much as possible.
An Independent Insurance Agent Can Help You Get the Best Buick Insurance Quotes
When it's time to find the most affordable, quality Buick insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Buick insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQ About Buick Insurance
Is car insurance for a Buick expensive?
No, Buick car insurance isn't expensive, especially when compared to coverage for other luxury vehicles. Buick's insurance rates average $130 per month or about $1,560 a year.
What's the most expensive model of Buick to insure?
Our research found that the Buick Verano is the most expensive model to insure of those we compared, at an average rate of $2,148 per year, or approximately $179 per month for full coverage.
What's the cheapest model of Buick to insure?
Our research found that the Buick Encore is the least expensive model to insure of those we compared, at an average rate of $1,563 per year, or approximately $130 per month for full coverage.
Is Buick considered a luxury brand for insurance?
Yes, Buick is considered a luxury brand by car insurance companies. While some consider Buick to be an entry-level luxury line, others consider it to be a mid-level or premium luxury auto brand.
Does OnStar lower insurance premiums?
In many cases, yes, having a Buick equipped with OnStar can lead to lower car insurance premiums. However, these discounts vary by insurance company.
Are Buicks cheap to maintain compared to other brands?
Yes, Buicks can be cheaper to maintain than other luxury car brands due to their lower sticker prices and cheaper custom parts.
Do SUVs like the Enclave cost more to insure?
No, actually, our research found that the Buick Enclave's average insurance costs fell in the middle of the pack of all the models we compared, at an average of $1,667 per year, or approximately $139 per month for full coverage.
How often should Buick owners compare insurance quotes?
Buick owners should compare car insurance quotes each time their coverage renews, so every six months to a year. An independent insurance agent can do this for you.
Sources
https://www.thezebra.com/auto-insurance/vehicles/buick/
https://www.valuepenguin.com/auto-insurance/luxury-car-insurance