Buick Century Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Buick Century than the average car.
• Liability car insurance for a Century tends to be about $74 a month, while full coverage usually runs around $131 per month.
• At sometimes as cheap as $30 monthly for liability only coverage, JustInsure is the most affordable insurance company for a Century.

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Century Overview

The Buick Century is a great budget-friendly option for any driver, with 2005 models starting at $22,040.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that average Buick Century auto insurance prices run about $91 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Buick Century?

Looking at the table above, you'll find that insurance premiums for a Buick Century are below average. Century drivers normally pay around $74 a month for liability insurance, and about $131 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other Buick models, the Century is slightly less expensive, with rates around 10% lower than the rest of the automaker's vehicle offerings. Compared to offerings from other brands, car insurance for a Century is also more affordable, with full coverage insurance prices coming in about 26% less and 11% less for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the Century follows a similar pattern of having below average auto insurance premiums.

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Who has the Cheapest Car Insurance for a Buick Century?

If you're looking for a new car insurance policy for your Buick Century, you might be wondering which carrier offers the cheapest prices. Even though costs will typically be pretty different from policyholder to policyholder, Hugo offers the cheapest average rates for liability only coverage, with rates as cheap as $26 per month. The runner up for lowest rates is MainStreet, with insurance policies starting as low as $28 a month.

JustInsure, Oasis, and Ohio Mutual round out the rest of the top 5 list. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Century.

Car insurance companies use several different variables and complex formulas to calculate premiums. The only way to guarantee you find the most affordable rates is to compare quotes from quite a few car insurance carriers.

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What Factors Affect Car Insurance Rates for a Buick Century?

There are a multitude of variables that auto insurance companies use to choose how much they charge you for insurance -- and each company uses a different algorithm, so there's not a singular carrier that's the cheapest for every Century driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Buick has been making the Century for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Centurys continue to depreciate, insurance costs will gradually go lower.

A new Buick Century model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Buick Centurys to insure are those that are 8 to 10 years old, while the most expensive models are Centurys that are 11 to 14 years old, on average.

Your Age

How old you are makes a difference in how much auto insurance carriers will charge for a policy. Based on the information above, young drivers pay more expensive rates compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Century drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. When it comes to Century drivers specifically, women pay around 4% less than men monthly for car insurance.

Where You Live

You may think it's obvious that factors like how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live is just as important? Auto insurance is regulated at the state level, so premiums can shift quite a bit depending on what state you live in.

For example, the average Buick Century owner in New York pays about $118 per month for liability coverage. Meanwhile, the same Californian driver will pay less than half of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Buick Century Car Insurance Discounts

Whatever where you live, what car you drive, or how old you are, it's always a smart move to take advantage of as many car insurance discounts as possible.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments
• Multi-vehicle discounts for insuring more than one of your cars with the same carrier

While these are just a few of the discounts auto insurance carriers offer, there are countless other ways to save money on you monthly insurance bill.

While you can't control every factor car insurance companies look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the variables you can use to your favor when it comes to saving cash:

Your Driving Record

You've no doubt seen ads from insurance carriers posting hefty discounts for safe drivers. And you probably wouldn't be surprised that if you get into an accident or get tickets for speeding, auto insurance rates will go up. But exactly how much is it going to cost you for these infractions?

Based on the table above, accidents will usually cost Century drivers more than tickets, but both will result in higher than normal rates. Buick Century drivers with a single accident on their record pay an average of $90 every month (up $16 from the $74/mo. overall average), while drivers with one ticket will pay about $84 a month. Those who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your car insurance prices is how much you drive each year. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll generally get less expensive premiums. In the above table, you can see that Buick Century owners who drive fewer than 2,500 miles a year pay about $60 monthly for insurance, while those who put 10,000 miles or more on their cars pay $80.

If you don't drive much because have a second vehicle or you work from home, it may be worth considering pay-per-mile or usage-based auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Buick Centurys Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Buick Century is on your shortlist, you might want to know how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Buick Century stacks up:

Overall, the Buick Century has an average MSRP and is on par with the going rate for a new vehicle. The Century's $30,630 base MSRP is right on trend with the national average of $22,040. And since there hasn't been a new Century model on the market recently, used prices will be even more affordable.

Although the Century has a pretty average price, car insurance rates run below average when compared to other vehicles on the market. Liability insurance for a Buick Century is around $5 per month less than average, while full coverage is over $40 cheaper per month.

When it comes to usage, Buick Century owners drive about the same amount annually as the national average, with 10,985 miles per year compared to 11,617 for all vehicles.

Buick Century Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on what you'll pay for insurance. If you're considering buying a new Century, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

Choose Your Model

2005 Buick Century Car Insurance 2004 Buick Century Car Insurance 2003 Buick Century Car Insurance 2002 Buick Century Car Insurance 2001 Buick Century Car Insurance 2000 Buick Century Car Insurance 1999 Buick Century Car Insurance 1998 Buick Century Car Insurance 1997 Buick Century Car Insurance 1996 Buick Century Car Insurance 1995 Buick Century Car Insurance 1994 Buick Century Car Insurance 1993 Buick Century Car Insurance

2005 Buick Century Car Insurance

On average, drivers who own a 2005 Buick Century can expect to pay $76 to $122 a month for liability only and full coverage insurance, respectively.

We found MetroMile offered the lowest policy, with rates sometimes as low as $20 monthly.

Want to find the most affordable rates? Enter your ZIP code below to get lots of free customized quotes.

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2004 Buick Century Car Insurance

2004 Century drivers can expect to pay an average of $84 per month for liability or $139 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates as low as just $20 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2004 Buick Century, you can get free quotes in minutes by just entering your ZIP code below.

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2003 Buick Century Car Insurance

The average cost to insure a 2003 Buick Century with liability only coverage is $81 per month, while full coverage runs about $144 monthly.

With prices as little as just $16 a month, Safeco offered the lowest policy we found for the 2003 Buick Century.

If you want to know exactly how much you can expect to pay for your Century, get free quotes in minutes by just entering your ZIP code below.

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2002 Buick Century Car Insurance

You can expect full coverage for a 2002 Century to run around $139 per month, while liability only coverage will average about $79 monthly.

If you're looking for the most affordable 2002 Buick Century insurance policy, Liberty Mutual offered the cheapest policy we found, with rates sometimes as little as $16 a month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

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2001 Buick Century Car Insurance

It costs around $76 per month for liability or $131 for a full coverage policy for the 2001 Buick Century.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for as little as $17 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2000 Buick Century Car Insurance

On average, drivers who own a 2000 Century can expect to pay $73 to $132 a month for liability only and full coverage car insurance, respectively.

With rates as cheap as just $20/mo per month, Good2Go offered the lowest policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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1999 Buick Century Car Insurance

You can expect full coverage for a 1999 Buick Century to run about $132 monthly, while liability only coverage will average around $66 a month.

MetLife has premiums sometimes as little as $18 monthly for the 1999 Buick Century.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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1998 Buick Century Car Insurance

It costs about $65 a month for liability or $138 for a full coverage policy for the 1998 Century.

With prices as low as just $18 per month, Safeco offered the cheapest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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1997 Buick Century Car Insurance

The average cost to insure a 1997 Buick Century with liability only coverage is $66 monthly, while full coverage runs around $108 per month.

We found Elephant offered the most affordable policy, with rates as little as just $17 a month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

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1996 Buick Century Car Insurance

1996 Century drivers can expect to pay an average of $70 monthly for liability or $92 for full coverage.

If you're looking for the cheapest possible 1996 Buick Century insurance policy, Mapfre offered the lowest policy we found, with rates as cheap as $23 per month.

If you want to find the best rates for insurance for a 1996 Buick Century, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1995 Buick Century Car Insurance

On average, drivers who own a 1995 Buick Century can expect to pay $68 to $76 a month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Gainsco offered liability only coverage for as low as $20 monthly.

Want to know exactly what your auto insurance premium will be? Just enter your ZIP code below to get several customized quotes for free.

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1994 Buick Century Car Insurance

You can expect full coverage for a 1994 Century to run about $109 per month, while liability only coverage will average around $88 a month.

Jupiter has premiums as little as $19 monthly for the 1994 Buick Century.

These average prices are a great starting point if you're in the market for a 1994 Buick Century, but there are a multitude of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1993 Buick Century Car Insurance

It costs about $60 per month for liability or $92 for a full coverage policy for the 1993 Buick Century.

With rates sometimes as low as $20 a month, Mercury offered the most affordable policy we found for the 1993 Buick Century.

If you want to know exactly how much you can expect to pay for your Century, just enter your ZIP code below and get free quotes in minutes.

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Buick Century Insurance FAQs

Is a Buick Century expensive to insure?

The Buick Century is less expensive to insure compared to the average car. Liability insurance runs an average of $74 monthly, while full coverage will cost you around $131.

How can I get the best price on car insurance for my Buick Century?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and comparing quotes from multiple companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Buick Century affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. Although there are many variables insurance companies use when they decide how much your policy will be, the color of your Century isn't one of them.

Do I need to have insurance before I buy a Buick Century?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) Buick Century off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to talk with your auto insurance carrier before you buy.

What car insurance discounts can I get for my Buick Century?

You will find a lot of different discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Century has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.