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

Quick Facts

• It costs less to insure a Buick Rainier than the average SUV.
• Full coverage auto insurance for a Rainier tends to be about $138 a month, on average, while liability only insurance usually comes in at around $68 per month.
• Hugo is the lowest insurance company for a Rainier with a national average of just $24 monthly for liability only coverage.

Rainier Overview

The Buick Rainier is a great choice for a mid-level SUV, with 2007 models starting at $31,550.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that Buick Rainier insurance prices are about $99 per month, on average. How do auto insurance rates for the Rainier compare to premiums of other similar SUVs?

How Much is Car Insurance for a Buick Rainier?

In the table above, you'll find that when you compare the Buick Rainier to other vehicles, insurance prices are more affordable than average. On average, Rainier drivers can expect to pay around $68 a month for liability insurance, and about $138 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 the difference between these types of insurance).

When compared to other models, the Rainier is in line with the other vehicles in Buick's lineup. However, compared to other vehicles of a similar body style, Rainier coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive rates than other SUVs.

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

Who has the Cheapest Car Insurance for a Buick Rainier?

If you're in the market for a new car insurance policy for your Buick Rainier, you may be wondering which carrier offers the most affordable premiums. Even though prices can shift quite dramatically depending on your driver profile, Hugo offers the most affordable average rates for liability only coverage, with rates as low as just $24 a month. With car insurance as little as just $26 monthly, Oasis is the next cheapest insurance company.

Acuity, Shelter Mutual, and WesternStar round out the end of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Rainier.

Auto insurance companies take a variety of different factors into consideration when offering you rates. By checking quotes from several auto insurance carriers at once, you can guarantee you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Buick Rainier?

There are a whole range of factors that car insurance companies take into account to determine how much they charge for insurance -- and each carrier uses a different algorithm, so there's not one company that's the most affordable for every Rainier driver.

Below are just a few of the things auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Buick Rainier has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Rainiers continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Rainier. However, as you can see in the table above, the cheapest Buick Rainiers to insure are those that are 8 to 10 years old, while the most expensive models are Rainiers that are 11 to 14 years old, on average.

Your Age

Your age is another factor that plays a significant role in how much insurance companies will charge you for a policy. As you can see in the table above, young Rainier drivers have higher premiums 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 decrease as you get older, with the cheapest age group being 55-64 for Rainier drivers.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim. The Buick Rainier follows this convention, and women pay around 3% less than men a month for auto insurance.

Where You Live

You might think it's common sense that variables such as what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live can matter just as much? Because auto insurance is regulated on the state level rather than nationally, premiums can change quite a bit from state to state.

For example, the average Buick Rainier owner in New York pays about $83 monthly for liability coverage, while on average, the same driver from California will pay $37 less than that price. 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 from state to state.

Buick Rainier Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a new policy.

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

• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-car discounts for having several vehicles on 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 than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same carrier

But these aren't the only discounts insurance carriers offer to their customers. Often, it's actually your insurance profile and driving history that get you the cheapest rates.

While you may not have control of every variable car insurance companies take a look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the things you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely noticed ads from insurance carriers posting hefty savings for safe drivers. It makes sense that your car insurance prices will go higher if you get into an accident or get a ticket for speeding. But exactly how much can these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost Rainier drivers more than tickets, but both will cause a significant increase in rates. Buick Rainier drivers with a single ticket will pay an average of $65 per month, while drivers with one accident on their record pay about $79 every month (up $11 from the $68/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that impacts your auto insurance premiums is the total amount of miles you drive each year. Those who are on the roads less are less likely to get into accidents, so they'll normally end up spending less on insurance. Based on the table above, you can see that Buick Rainier owners who drive fewer than 2,500 miles per year pay about $53 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $68.

If you work from home or drive less often than the average driver, it may be worth learning about pay-per-mile or usage-based car 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.

How Do Buick Rainiers Compare to Other Vehicles?

If you're thinking about making a Buick Rainier your next vehicle, it can pay off to do your research. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering carefully.

Visit the table below to see how the Buick Rainier stacks up:

Overall, the Buick Rainier has an MSRP that's in line with the going rate for a new vehicle. The Rainier has a base price of $31,550, similar to the national average vehicle MSRP of $30,184. A used Rainier will be even less expensive, since there hasn't been a new model on the market recently.

Although the Rainier has a pretty average price, auto insurance prices run slightly above average when compared to the rest of the vehicle market. Liability insurance for a Buick Rainier is around $6 per month more than average, while full coverage is $1 more per month.

When it comes to usage, Buick Rainier drivers are pretty close to the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Rainier's 11,259 each year.

Buick Rainier Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's insurance premiums. But if you're considering buying a new Rainier, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

2007 Buick Rainier Car Insurance

On average, drivers who own a 2007 Buick Rainier can expect to pay $87 to $170 a month for liability only and full coverage auto insurance, respectively.

With prices sometimes as low as $21 monthly, Sun Coast offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2007 Buick Rainier, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2006 Buick Rainier Car Insurance

The average cost to insure a 2006 Rainier with liability only coverage is $65 a month, while full coverage runs about $164 per month.

Looking for the lowest policy? Gainsco offered liability only coverage for sometimes as cheap as $19 a month.

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

2005 Buick Rainier Car Insurance

2005 Buick Rainier drivers can expect to pay an average of $66 monthly for liability or $116 for full coverage.

MetroMile offered the most affordable policy we found, with rates as cheap as just $22 per month.

Want to find the cheapest rates? Just enter your ZIP code below to get several free customized quotes.

2004 Buick Rainier Car Insurance

You can expect full coverage for a 2004 Rainier to run around $125 a month, while liability only coverage will average about $68 monthly.

We found Commonwealth Casualty offered the most affordable policy, with rates as low as $22 per month.

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

Buick Rainier Insurance FAQs

Is a Buick Rainier expensive to insure?

The Buick Rainier is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $68 a month, while full coverage will cost you around $138.

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

There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from an array of companies. 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 premiums from many 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 Rainier affect my insurance rates?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually not the case. There are a lot of factors insurance companies examine when they decide how much to charge you, but your Buick Rainier's color is not factored into that equation.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid car insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier before you buy.

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

There are a ton of discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Rainier you drive, but if your Rainier has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about which discounts they offer.