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

Quick Facts

• It costs less to insure a Buick Envision than the average SUV.
• Liability only car insurance prices for an Envision tend to be about $70 a month, while full coverage usually averages around $139 per month.
• Aspire offers the most affordable average rates for an Envision with liability only coverage offered for sometimes as cheap as $22 a month.

Envision Overview

The Buick Envision is a great budget-friendly option for any driver, with 2022 models starting at $31,800. The Envision is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when you consider your future insurance rates.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that average Buick Envision car insurance premiums run about $130 per month. How do auto insurance prices for the Envision stack up against other similar SUVs?

How Much is Car Insurance for a Buick Envision?

Looking at the table above, you'll find that when you compare the Buick Envision to other vehicles, insurance rates are more affordable than average. Envision drivers can expect to pay around $70 monthly for liability insurance, and about $139 per month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the Envision is in line with the other vehicle types offered by Buick. However, compared to other vehicles of a similar body style, Envision coverage is below average, with both liability only and full coverage insurance averaging less expensive premiums than other SUVs.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of body style, make, or model.

Who has the Cheapest Car Insurance for a Buick Envision?

If you're searching for a new auto insurance policy for your Buick Envision, you're likely interested in which company offers the most affordable premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $22 per month from Aspire. With car insurance as little as just $31 a month, Workmens is the next cheapest insurance carrier.

The third, fourth, and fifth carriers on the list are Safeco, Shelter Mutual, and Mile Auto. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Envision.

Insurance carriers use a bunch of variables and complex formulas to calculate rates. By reviewing quotes from a whole range of car insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Buick Envision?

As we mentioned above, there are quite a few things that insurance carriers examine to determine how much they charge for auto insurance -- and each company weighs certain factors more than others, so there's not a single carrier that's the cheapest for every Envision driver.

The following sections show lots of factors car insurance companies use to calculate rates:

Vehicle Age

The Buick Envision has been around for a few years, so vehicle age may make a difference in what you end up paying for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

Based on the above table, the Buick Envision is an outlier, as the most expensive models to insure are those that are 4 to 5 years old, while on average, the cheapest Envisions are 1 year old or less.

Your Age

Your age is another factor that plays a significant role in how much car insurance carriers will charge you. Based on the information above, younger drivers pay less for insurance than those who have more experience on the road.

Auto insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Envision.

Your Gender

Women generally to pay less for car insurance than men. This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim. Surprisingly, when it comes to Envision drivers specifically, men pay around the same rates monthly as women for auto insurance.

Where You Live

You were probably already aware that variables like what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live is equally important. Since auto insurance is regulated on a state-by-state basis, prices can differ quite a bit depending on which state you're located in.

For example, the average Buick Envision owner in New York pays about $143 a month for liability coverage. Meanwhile, on average, the same Californian driver will pay only a quarter of that price.

Buick Envision Car Insurance Discounts

Whatever your home state, your age, or your car, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-vehicle discounts for adding more than one car to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance company

But these aren't the only discounts insurance carriers offer to their customers. Often, it's actually having a favorable driving record and insurance profile that get you the lowest rates.

Although you can't control every variable auto insurance carriers consider to calculate premiums (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your advantage in order to save on car insurance:

Your Driving Record

It's no secret that insurance companies offer the most affordable prices to drivers with clean records. It checks out that if you get into a collision or get a speeding ticket, car insurance rates will get higher. But how much will they cost you?

As you can see, accidents will usually cost Envision drivers more than tickets, but both will result in above average rates. Buick Envision drivers with a single accident on their record pay an average of $63 each month, while drivers with one ticket will pay about $45 monthly. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your auto insurance premiums is how much you drive. Drivers who are on the roads less are more likely to go accident-free, so they'll normally get less expensive rates. In the table above, you can see that Buick Envision owners who drive 10,000 miles or more pay $76 for car insurance, while those who drive fewer than 2,500 miles a year pay about $45 per month.

If you work from home or drive less often than the average driver, it may be worth reviewing pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Buick Envisions Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Buick Envision is on your shortlist, it can pay off to do your homework. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

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

Overall, the Buick Envision is a great value for any budget, with an MSRP that's a quarter less than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $46,192, the Envision has a base price of just $31,800.

Liability insurance for a Buick Envision is, while full coverage is more than $50 less monthly.

When it comes to usage, Buick Envision owners drive fewer miles annually than the national average, with 8,119 miles per year compared to 11,617 for all vehicles.

Buick Envision Car Insurance Costs by Model Year

We've walked through many of the things that can affect how much you might pay for auto insurance. But if you're in the market for a new car, truck, or SUV and the Envision is on your wishlist, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.

2021 Buick Envision Car Insurance

On average, drivers who own a 2021 Buick Envision can expect to pay $87 to $193 a month for liability only and full coverage auto insurance, respectively.

With prices as low as just $22 per month, Aspire offered the most affordable policy we found.

These average premiums are a great starting point if you're in the market for a 2021 Buick Envision, but there are a variety of different factors 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.

2020 Buick Envision Car Insurance

The average cost to insure a 2020 Envision with liability only coverage is $73 monthly, while full coverage runs around $147 per month.

Esurance offered the lowest policy we found, with rates as cheap as $38 a month.

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

2019 Buick Envision Car Insurance

It costs about $55 per month for liability or $118 for a full coverage policy for the 2019 Buick Envision.

Looking for the cheapest policy? PlymouthRockNJ offered liability only coverage for sometimes as low as $37 monthly.

Want to find the best rates? Get multiple free customized quotes by just entering your ZIP code below.

2018 Buick Envision Car Insurance

2018 Envision drivers can expect to pay an average of $108 a month for liability or $138 for full coverage.

With rates as cheap as just $38 monthly, Clearcover offered the most affordable policy we found for the 2018 Buick Envision.

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

2017 Buick Envision Car Insurance

You can expect full coverage for a 2017 Buick Envision to run around $137 a month, while liability only coverage will average about $50 per month.

We found Liberty Mutual offered the lowest policy, with rates as little as $17 monthly.

Want to know exactly what your car insurance premium will be? Enter your ZIP code below to get lots of free customized quotes.

2016 Buick Envision Car Insurance

The average cost to insure a 2016 Envision with liability only coverage is $67 a month, while full coverage runs around $132 per month.

Liberty Mutual has prices as low as $17 a month for the 2016 Buick Envision.

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

Buick Envision Insurance FAQs

Is a Buick Envision expensive to insure?

When compared to the national average of all vehicles, rates come in on the cheaper end of the spectrum. Liability insurance runs an average of $70 monthly, while full coverage will cost you around $139.

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

There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Buick Envision affect my insurance premiums?

You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. Even though there are a variety of things insurance companies consider when they decide how much to charge, your Buick Envision's color isn't one of them.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid auto insurance for it. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your car insurance carrier know before you buy.

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

There are tons of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Envision you drive, but if your Envision has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about their discounts, since they fluctuate quite a bit from company to company.