- A Buick Regal is cheaper to insure compared to the average car.
- Liability only insurance rates for a Regal run around $72 monthly, while full coverage usually runs about $157.
- Aspire is the lowest auto insurance carrier for a Regal.
In This Article
With base prices starting at just $27,970 for 2020 models, the Buick Regal is a great car for all budgets. With six different trim levels currently offered, you'll be sure to find an option to fit your style.
After analyzing thousands of car insurance quotes through Compare.com, we've determined that average Buick Regal insurance prices run around $147 per month. But where does that fall compared to the rest of the market?
|Current Base Price||$27,970|
|Trim Levels||ESSENCE, REGAL, GS, REGAL TOURX, AVENIR, PREFERRED|
|Average Insurance Premium||$147/mo.|
|Cheapest Insurance Company||Aspire|
How Much is Car Insurance for a Buick Regal?
|Vehicle||Liability Only||Full Coverage|
|All Buick Models||$73||$145|
|Average Insurance Premium||$81||$169|
Looking at the table above, you'll find that compared to other vehicles on the road, Buick Regal insurance premiums are about average. Regal owners can expect to pay around $157 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $72 a month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").
When you compare it to other models, the Regal is slightly more expensive, with rates about 8% higher than the other vehicle types offered by Buick. Compared to offerings from other brands, auto insurance for a Regal is also more affordable, with liability only insurance premiums coming in around 13% less and 11% less for full coverage.
When compared to all vehicles, regardless of model, body style, or make, the Regal has lower prices than average for both liability only and full coverage car insurance.
Who has the Cheapest Car Insurance for a Buick Regal?
|Insurance Company||Average Monthly Premium|
Shopping around for an auto insurance policy for your Buick Regal? You may be wondering which company offers the lowest prices. Although there will never be one carrier that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are as little as just $32 per month from Liberty Mutual and Shelter Mutual.
Workmens, AnswerFinancial, and Elephant finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Regal.
Auto insurance carriers use a variety of different things and complex formulas to calculate premiums. By analyzing quotes from an array of auto insurance companies at once, you can be confident you're finding the cheapest rate.
What Factors Affect Car Insurance Rates for a Buick Regal?
There are several variables that car insurance carriers reference to choose how much to charge you for a policy -- and every company weighs certain pieces more than others, so there's not one carrier that's the lowest for each driver.
Keep reading to learn which factors insurance companies look at and how they affect your final rate:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$80|
|15 Years or Older||$70|
Buick has been making the Regal for quite some time, so the car's age may play a role in how much you'll pay for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually get lower.
As you can see in the table above, the Buick Regal follows this trend, as the cheapest models to insure are those that are 11 to 14 years old, while the most expensive models are Regals that are 6 to 7 and 8 to 10 years old, on average.
|Age||Average Monthly Premium|
Age is another variable that plays a significant role in how much auto insurance carriers will charge for insurance. Based on the information in the table above, drivers with more experience have more affordable rates compared to teenage Regal drivers. Buick Regal drivers under 18 actually pay over three times as much as those 25 or older.
Insurance prices continue to go down as you get older, with drivers aged 45-54 making up the cheapest age group for the Regal.
|Gender||Average Monthly Premium|
Because women are less likely to get into accidents and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men. When it comes to Regal drivers specifically, women pay about $68 monthly for car insurance and men pay around $76.
Where You Live
|State||Average Monthly Premium|
You may think it's obvious that variables like what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live has just as much of an impact? Because insurance is regulated on a state-by-state basis, rates can shift quite a bit depending on where you live.
For example, the average Buick Regal owner from New York pays about $170 a month for liability coverage. Meanwhile, on average, the same driver from California will pay less than 50% of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.
Buick Regal Car Insurance Discounts
No matter your car, your home state, or your age, using as many discounts as possible when it comes to your auto insurance policy is always important.
Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:
- Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
- Multi-vehicle discounts for insuring more than one of your cars with the same company
While taking advantage of discounts is always a smart way to save money on your car insurance, some of the best ways to save are just by having a good driving history and positive insurance profile.
While you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the ones you can use in your favor in order to save on insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
You've probably noticed ads from car insurance carriers offering big savings for safe drivers. It checks out that your auto insurance prices will go up if you get into an accident or get a ticket for speeding. But exactly how much can these infractions cost you?
As you can see, accidents will usually cost Regal drivers more than tickets, but both will result in higher than normal rates. Buick Regal drivers with one accident on their record pay about $95 each month (up $23 from the $72/mo. overall average), while drivers with a single ticket will pay an average of $78 per month. The rates only get higher the more collisions you have or tickets you get.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor that plays a big role in your car insurance rates is the total distance you drive annually. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll generally be offered less expensive premiums. Above, you can see that Buick Regal owners who drive less than 2,500 miles pay $80 for insurance, while those who drive between 5,000 and 7,500 miles a year pay about $64 a month.
But if you drive a limited amount, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.
How Do Buick Regals Compare to Other Vehicles?
If you're considering purchasing a new vehicle and a Buick Regal is on your shortlist, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.
Review the table below to see how the Buick Regal compares:
|Buick Regal||National Average|
|Full Coverage Insurance||$142||$169|
|Average Annual Mileage||12,083||11,617|
Overall, the Buick Regal is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle price in the U.S. is $46,547, the Regal retails at just $27,970.
In the same fashion, auto insurance prices are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Buick Regal is around $27 a month cheaper than average, while liability only coverage is $5 cheaper per month.
When it comes to usage, Buick Regal owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the Regal's 12,083 every year.
Buick Regal Car Insurance Costs by Model Year
We've walked through many of the things that can affect how much the average driver pays to insure a Buick Regal. If you're considering buying a new Regal, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.
2020 Buick Regal Car Insurance
|Liability Only Avg. Premium||$76|
|Full Coverage Avg. Premium||$142|
|Cheapest Insurance Company||Safeco - $52/mo.|
|Available Trims||AVENIR, ESSENCE, GS, PREFERRED, REGAL, REGAL TOURX|
On average, drivers who own a 2020 Regal can expect to pay $76 to $142 monthly for liability only and full coverage auto insurance, respectively.
Safeco offered the most affordable policy we found, with rates as low as just $52 per month.
If you want to know exactly how much you can expect to pay for your Regal, get free quotes in minutes by just entering your ZIP code below.
2019 Buick Regal Car Insurance
|Liability Only Avg. Premium||$88|
|Full Coverage Avg. Premium||$171|
|Cheapest Insurance Company||Aspire - $35/mo.|
|Available Trims||AVENIR, ESSENCE, GS, PREFERRED, PREFERRED II, REGAL, REGAL TOURX|
The average cost to insure a 2019 Buick Regal with liability only coverage is $88 a month, while full coverage runs about $171 monthly.
We found Aspire offered the lowest policy, with rates as low as $35 per month.
While these are good estimates of what the average driver might pay to insure a 2019 Buick Regal, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2018 Buick Regal Car Insurance
|Liability Only Avg. Premium||$79|
|Full Coverage Avg. Premium||$203|
|Cheapest Insurance Company||DirectGeneral - $25/mo.|
|Available Trims||ESSENCE, GS, PREFERRED, PREFERRED II, REGAL, REGAL TOURX|
You can expect full coverage for a 2018 Regal to run around $203 a month, while liability only coverage will average about $79 monthly.
With rates as cheap as just $25 a month, DirectGeneral offered the most affordable policy we found.
Want something more accurate than nationwide averages? Get lots of customized quotes for free by just entering your ZIP code below.
2017 Buick Regal Car Insurance
|Liability Only Avg. Premium||$98|
|Full Coverage Avg. Premium||$173|
|Cheapest Insurance Company||Hugo - $33/mo.|
|Available Trims||1SV, GS, PREMIUM, REGAL, SPORT TOURING|
It costs around $98 monthly for liability or $173 for a full coverage policy for the 2017 Buick Regal.
If you're looking for the lowest possible 2017 Buick Regal insurance policy, Hugo offered the cheapest policy we found, with rates sometimes as cheap as $33 per month.
If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.
2016 Buick Regal Car Insurance
|Liability Only Avg. Premium||$77|
|Full Coverage Avg. Premium||$163|
|Cheapest Insurance Company||Shelter Mutual - $19/mo.|
|Available Trims||1SV, GS, PREMIUM, REGAL, SPORT TOURING|
2016 Regal drivers can expect to pay an average of $77 a month for liability or $163 for full coverage.
Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as little as $19 monthly.
Want to know exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.
2015 Buick Regal Car Insurance
|Liability Only Avg. Premium||$54|
|Full Coverage Avg. Premium||$148|
|Cheapest Insurance Company||Liberty Mutual - $23/mo.|
|Available Trims||1SV, GS, PREMIUM, REGAL|
It costs about $54 per month for liability or $148 for a full coverage policy for the 2015 Buick Regal.
With premiums sometimes as low as $23 a month, Liberty Mutual offered the lowest policy we found for the 2015 Buick Regal.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.
2014 Buick Regal Car Insurance
|Liability Only Avg. Premium||$100|
|Full Coverage Avg. Premium||$175|
|Cheapest Insurance Company||Elephant - $23/mo.|
|Available Trims||GS, PREMIUM, REGAL|
You can expect full coverage for a 2014 Regal to run around $175 per month, while liability only coverage will average about $100 monthly.
Elephant has prices sometimes as little as $23 per month for the 2014 Buick Regal.
What will your insurance rate be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance companies.
2013 Buick Regal Car Insurance
|Liability Only Avg. Premium||$83|
|Full Coverage Avg. Premium||$169|
|Cheapest Insurance Company||StateAuto - $19/mo.|
|Available Trims||GS, PREMIUM, REGAL|
On average, drivers who own a 2013 Buick Regal can expect to pay $83 to $169 a month for liability only and full coverage car insurance, respectively.
StateAuto offered the cheapest policy we found, with rates as cheap as $19 monthly.
If you want to find the best premiums for insurance for a 2013 Buick Regal, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.
2012 Buick Regal Car Insurance
|Liability Only Avg. Premium||$75|
|Full Coverage Avg. Premium||$167|
|Cheapest Insurance Company||Mapfre - $21/mo.|
|Available Trims||GS, PREMIUM, REGAL|
The average cost to insure a 2012 Regal with liability only coverage is $75 a month, while full coverage runs around $167 monthly.
If you're looking for the most affordable 2012 Buick Regal insurance policy, Mapfre offered the most affordable policy we found, with rates as low as $21 per month.
If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.
2011 Buick Regal Car Insurance
|Liability Only Avg. Premium||$82|
|Full Coverage Avg. Premium||$158|
|Cheapest Insurance Company||Sun Coast - $23/mo.|
2011 Buick Regal drivers can expect to pay an average of $82 monthly for liability or $158 for full coverage.
With rates as cheap as just $23 a month, Sun Coast offered the lowest policy we found for the 2011 Buick Regal.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
Buick Regal Insurance FAQs
Is a Buick Regal expensive to insure?
Liability insurance runs an average of $72 per month, while full coverage will cost you around $157. When compared to the national average of all cars, prices come in on the cheaper end of the spectrum.
How can I get the best price on car insurance for my Buick Regal?
There's only one way to be sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from a bunch of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.
Does the color of my Buick Regal affect my insurance rates?
You might have heard the old adage that red cars cost more to insure, but that's actually not the case. Even though there are a variety of factors auto insurance carriers examine when they offer you a premium, the color of your vehicle isn't one of them.
Do I need to have insurance before I buy a Buick Regal?
Before you can legally drive your new (or new to you) Buick Regal off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but it's best to let your car insurance company know beforehand.
What car insurance discounts can I get for my Buick Regal?
There are several different discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your Regal and more on you, but if your Regal has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to talk with your insurance agent and ask about their list of discounts, since they differ quite a bit from carrier to carrier.