Buick Insurance Rates

The average cost of car insurance for a Buick model is about $1,630 per year.

This is $437 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Buick insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Buick insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Buick Model

Model Good Driver Recent Accident Poor Credit
Buick Enclave Insurance Cost $1,705 $2,539 $3,002
Buick Encore Insurance Cost $1,452 $2,162 $2,556
Buick Envision Insurance Cost $1,733 $2,581 $3,051

The cost to insure a Buick model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Buick, then see our insurance analysis and rankings for other makes and models here.

Buick Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,520 $8,222 $9,720
18 $5,144 $7,662 $9,058
19 $4,546 $6,771 $8,005
20 $3,964 $5,904 $6,980
21 $3,324 $4,952 $5,853
22 $3,238 $4,822 $5,700
23 $2,833 $4,220 $4,988
24 $2,691 $4,009 $4,739
25 $2,322 $3,460 $4,089
30 $1,810 $2,695 $3,186
35 $1,695 $2,524 $2,984
40 $1,630 $2,427 $2,870
45 $1,586 $2,362 $2,792
55 $1,454 $2,166 $2,561
65 $1,517 $2,260 $2,671
75 $1,915 $2,852 $3,371

Buick auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Buick models by state.

Average Buick Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,727 $2,419 $3,027
Alaska $1,428 $2,080 $2,180
Arizona $1,615 $2,505 $3,572
Arkansas $1,770 $2,682 $3,000
California $1,971 $3,447 $1,971
Colorado $1,839 $2,546 $3,177
Connecticut $2,350 $3,633 $4,654
Delaware $1,945 $2,679 $3,556
Florida $2,316 $3,146 $4,102
Georgia $1,888 $2,911 $2,986
Hawaii $754 $1,041 $754
Idaho $1,310 $1,764 $2,196
Illinois $1,372 $2,028 $2,352
Indiana $1,409 $2,203 $2,570
Iowa $1,116 $1,675 $1,951
Kansas $1,485 $2,187 $2,590
Kentucky $2,147 $3,229 $3,798
Louisiana $2,756 $4,212 $4,535
Maine $1,042 $1,398 $2,040
Maryland $1,686 $2,473 $2,920
Massachusetts $1,353 $2,288 $1,353
Michigan $3,264 $4,906 $7,545
Minnesota $1,343 $1,805 $2,671
Mississippi $1,622 $2,449 $2,588
Missouri $1,528 $2,105 $2,722
Montana $1,554 $2,431 $2,682
Nebraska $1,313 $1,859 $2,115
Nevada $2,166 $3,270 $3,587
New Hampshire $1,507 $2,429 $3,093
New Jersey $1,660 $2,618 $3,377
New Mexico $1,696 $2,440 $2,740
New York $1,571 $2,045 $3,301
North Carolina $973 $1,572 $1,211
North Dakota $1,332 $2,051 $2,603
Ohio $1,188 $1,943 $2,013
Oklahoma $1,897 $2,848 $3,230
Oregon $1,726 $2,607 $2,991
Pennsylvania $1,454 $2,199 $2,523
Rhode Island $2,427 $3,725 $4,260
South Carolina $1,649 $2,386 $3,404
South Dakota $1,479 $2,035 $2,442
Tennessee $1,740 $2,602 $3,283
Texas $1,752 $2,578 $3,236
Utah $1,490 $2,155 $2,972
Vermont $1,147 $1,834 $2,005
Virginia $1,081 $1,627 $1,729
Washington $1,430 $2,149 $2,534
West Virginia $1,439 $2,096 $2,589
Wisconsin $1,435 $2,095 $2,544
Wyoming $1,339 $1,969 $2,201

Other Important Buick Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Buick models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Buick? We have millions of new and used vehicles listed. Here are some Buick models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.