Best Car Insurance Company for Buicks (2024)

How much does Buick car insurance cost? Buick car insurance rates depend partly on what model you own, your driving record, and your age. However, the insurance company you pick also greatly impacts the rates you pay on your Buick, and finding a cheaper company is one of the best ways to lower your car insurance rates.

Read on to learn about Buick car insurance coverages, average rates, how to pick the best car insurance company for Buicks, and much more.

Understanding Buick Car Insurance Coverage Options

While cutting back on unnecessary car insurance coverages will reduce your Buick insurance cost, there are some types of car insurance coverage that you must carry to drive legally in your state or to meet your lender’s requirements.

You will have to check what coverages your state requires, but generally, it is liability insurance, at the very least. Your state may also require uninsured/underinsured motorist insurance, personal injury protection, or medical payments. We’ve briefly explained what each of these coverages does below.

• Liability insurance: Pays for others’ accident bills if you are responsible for a crash that injures other people or damages their property.
• Medical payments insurance: Medical payments car insurance companies help pay off medical bills if you or your passengers are hurt in a car accident.
• Personal injury protection insurance: Personal injury protection car insurance companies help pay medical bills, lost wages, and more if you or your passengers are hurt in a car accident.
• Underinsured motorist insurance: Uninsured motorist coverage car insurance companies help pay for repairs if a driver with poor insurance coverage hits you.
• Uninsured motorist insurance: Helps pay for repairs if a driver without insurance hits you.

Besides the coverages required by your state, you will have to carry the full coverage car insurance policy required by your lender. Usually, this is collision and comprehensive insurance, as they pay for repairs if you crash your Buick or it is damaged by weather and other factors outside of your control.

• Collison insurance: Helps pay for your Buick’s repairs if you crash into an object like a mailbox or another vehicle.
• Comprehensive car insurance: Helps pay for your Buick’s repairs if damaged by weather, vandalism, animal collisions, and more.

All other car insurance coverages are optional, so beyond the basics required to drive legally, you can choose what you want to carry on your Buick.

Average Buick Car Insurance Rates

When looking for a car insurance company, it helps to know what rates you should expect. This way, you can establish which car insurance companies have the cheapest rates. Below, you can see how much different car insurance coverages cost on average for Buicks.

Average Monthly Full Coverage Car Insurance Rates for Buick Vehicles by Model

If you own a Buick Cascada, you will have slightly higher car insurance rates than owners of other Buick models. Buick Verano insurance and Buick LaCrosse insurance rates are the most affordable.

Your rates will also depend on your driving record and age, as the average rates display below.

Average Monthly Full Coverage Auto Insurance Rates by Age and Gender

Your age and driving record will have more of an impact on your Buick car insurance rates than what model you own. This is because age and driving record are related to how risky of a driver you are to insure, whereas model simply relates to if repairs will cost slightly more.

Picking the Best Car Insurance Company for a Buick

When looking for a car insurance company for your Buick, it is important to consider the following aspects in addition to what rates are offered:

• Coverages offered. Check to make sure that the company has all the coverage available that you want for your Buick.
• Customer service. Check customer service ratings to see how happy customers are with the company, such as how claims are handled.
• Financial standing. Check financial ratings to make sure that a company is in good financial standing and can pay out claims without financial distress.

Looking at these factors will ensure you pick a reputable company that offers great service in addition to great rates on Buick car insurance.

Saving on Buick Car Insurance Policies

Shopping around for car insurance quotes is one of the best ways to save on your Buick car insurance, but there are also a few additional things you can do to reduce your rates. Take a look at them below.

• Maintain a good driving record. Your Buick car insurance rates will be lower if you have a driving record without at-fault accidents, traffic tickets, or DUIs.
• Raise your insurance deductible on one or more coverages. Just don’t raise your car insurance deductible too high — remember, you are paying the deductible out of pocket after an accident.
• Take advantage of insurance discounts on your policy. See if there are any car insurance discounts available at your car insurance company that you can apply for.

Most drivers will be able to reduce their car insurance rates, even if just by a little bit, by applying the above tips.

The Final Word on Buick Car Insurance Companies

The majority of Buicks have average car insurance rates, though rates for car insurance for Buicks are affected by factors other than what Buick model you own. High-risk drivers pay more for Buick car insurance, although they can work on lowering their rates through discounts and shopping for quotes.

Use our free quote comparison tool to find the best car insurance rates for your Buick in your area. It compares rates from car insurance companies to help you find the best rate for your Buick.