Cheap Buick Auto Insurance in 2024

Buick owners need auto insurance to drive their Buicks. However, if you’re shopping for auto insurance, you may feel overwhelmed by all your options. Fortunately, finding proper auto insurance coverage for your Buick in your state doesn’t have to be difficult.

You can choose from a minimum or full coverage policy when looking for the perfect Buick insurance. You’ll need to assess your needs, vehicle age, and whether you have a loan or lease before you know what type of auto insurance you’ll need.

The average cost of auto insurance for a Buick is around $1,560 annually or $130 every month. Your rates will depend on the Buick you have, your credit score, your driving history, and other pertinent factors. 

As you shop for auto insurance for your Buick, finding and comparing instant auto insurance quotes from several different insurance companies is important. Comparing affordable Buick auto insurance quotes can help you determine which company offers the coverage you’re looking for at a price that works with your budget. 

What type of Buick auto insurance do I need? 

If you own a Buick, there are a few auto insurance coverage options for you to consider. First, you’ll need liability coverage for your Buick. You can choose a minimum coverage policy, which includes only the amount of liability you’ll need to drive legally in your state. Mandatory liability coverage includes:

• Property damage liability: Property damage liability covers you if you cause an accident and damage someone’s vehicle or other personal property. Most states require property damage liability.
• Bodily injury liability: Bodily injury liability covers you if you cause an accident and one or more people are injured. Bodily injury liability is required in most states.

In addition to the liability coverage you need, your state may have additional coverage requirements, including:

• Personal injury protection (PIP): PIP coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident. PIP is required in some states. 
• Medical payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays. Some states require MedPay.
• Uninsured/underinsured motorist coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle.

Along with whatever types of coverage your state requires, you can opt to carry additional coverage to create what’s known as a full coverage policy. With full coverage auto insurance, your vehicle is covered even if you’re at fault in an accident. To have full coverage, you will need the following insurance coverages:

• Collision: Collision insurance pays for damage to your vehicle regardless of who was at fault. Most collision coverage plans come with a deductible you must pay before your insurance kicks in.
• Comprehensive: Comprehensive auto insurance pays for damage to your vehicle caused by theft, vandalism, wild animals, and inclement weather. Comprehensive coverage also usually comes with a deductible.

You may want full coverage if your Buick is fairly new, and you might be required to get it if you have a loan or lease. Full coverage can give you a lot of peace of mind when you’re behind the wheel.

Can Buick owners purchase add-on coverage?

You can buy add-on auto insurance options for your Buick to help with additional protection. Add-ons allow policyholders to customize their Buick coverage, and you may benefit from purchasing certain add-ons depending on your unique driving needs.

Some of the most common auto insurance add-ons include:

• Emergency roadside assistance: Auto insurance with roadside assistance helps if you have a flat tire, need lockout services, run out of fuel, or need a tow. 
• Gap insurance: Gap insurance coverage helps if your new car is damaged and you still have a loan or lease on the vehicle. With gap coverage, your insurance company pays the difference between what you owe on the vehicle and your car’s actual cash value. 
• New car replacement: If your new Buick is totaled, new car replacement pays for the vehicle to be replaced with the same make and model. 
• Rideshare coverage: Drivers for companies like Uber and Lyft often need additional auto insurance coverage for rideshare drivers to ensure they’re protected. 
• Rental car reimbursement: If you have to rent a car because yours is in the shop after a covered accident, rental car reimbursement allows your insurance company to pay you back for any money you spend on rental cars. 

Buick owners may need additional auto insurance coverage, especially if they own a new Buick or are leasing or financing.

How much are Buick auto insurance quotes?

Buick insurance costs vary depending on different variables. For example, the type of Buick you own, your driving history, and your credit score can significantly impact your monthly or annual rates.

The average cost of auto insurance for a Buick Rendezvous, for instance, is around $582 annually or $49 each month. Insurance rates for the Rendezvous are often quite low because the model was no longer produced after 2007. Since the car is older, it carries less value.

In comparison, Buick Encore insurance costs are much higher. The average cost for Encore auto insurance is around $1,414 annually or $118 each month. So if you own an Encore, you can expect to pay around $118 per month for a full coverage policy. 

A Buick Regal costs around $1,584 annually or $132 each month to insure, and Buick Envision auto insurance costs are virtually the same for a full coverage policy. 

Can I lower my Buick auto insurance rates? 

If you want cheaper rates for your Buick, you can look for auto insurance discounts, like those offered to good drivers, good students, those who have vehicles with safety devices, and more. Discounts help some drivers save a substantial amount on their auto insurance coverage.

In addition, you can find and compare auto insurance rates to learn which company offers the most affordable coverage. Comparing quotes is a great way to get the insurance you need without overpaying. 

Lastly, remember that your vehicle’s age and safety features will impact the auto insurance rates you receive. For example, if you drive an older Buick, you’ll likely have lower auto insurance rates because your vehicle’s ACV is lower. Similarly, if your car does not have safety features, you may pay more for coverage because you’re more likely to have an accident or file an expensive claim. 

Can I save money on Buick auto insurance quotes? 

The best ways to save money on your Buick auto insurance include: 

• Bundling your Buick auto insurance with other insurance products
• Increasing your auto insurance deductible
• Keeping a clean driving record
• Lowering your annual mileage

Considering your Buick insurance costs, you may want to save money. In addition to the abovementioned ways, you can always compare quotes to see if another insurance company offers lower monthly or annual rates for your Buick insurance. 

Affordable Auto Insurance Rates for Your Buick

Find Affordable Buick Auto Insurance Today

Buick auto insurance is easy to find, and Buick drivers have plenty of options when it comes to coverage. You may want a simple, minimum coverage policy for your Buick or full coverage for added protection on the road. 

The average cost of Buick insurance is around $1,560 annually or $130 every month. Still, your rates will vary depending on the type of Buick you drive, your driving history, and more.

To get cheaper rates for your Buick, you can seek specific coverage discounts. You can also increase your deductible and bundle your auto insurance with other insurance policies for cheaper rates. Be sure to find and compare quotes for Buick coverage from other companies so you don’t overpay for your Buick auto insurance.