If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
The average cost of Buick car insurance is $2,309 a year or $192 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Buick is $2,309 per year.
- The Encore GX is the cheapest Buick model to insure.
- Advanced safety features that come standard on Buick models help lower your insurance costs.
Average cost of car insurance for a Buick, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Buick car insurance rates by insurance company.
Cost to insure a Buick, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $1,910 | $955 | $159 |
| Nationwide | $1,975 | $987 | $165 |
| Geico | $2,062 | $1,031 | $172 |
| Progressive | $2,269 | $1,135 | $189 |
| Farmers | $2,812 | $1,406 | $234 |
| Allstate | $2,901 | $1,450 | $242 |
Buick average insurance rates, by model
Buick Encore GX car insurance cost
Car insurance costs $179 per month or $2,145 a year on average for a Buick Encore GX, according to CarInsurance.com’s data study. State Farm has the cheapest car insurance rates for Buick Encore GX among the companies analyzed. Its average annual cost for a Buick Encore GX is $1,732 or $144 per month.
Buick Envision car insurance cost
The average car insurance premium for Buick Envision is $195 per month, which translates to $2,338 per year. The most affordable company for a Buick Envision is State Farm with a rate of $151 monthly or $1,818 per year.
Buick Enclave car insurance cost
The average car insurance premium is $208 per month, which adds up to $2,491 each year for a Buick Enclave. State Farm is the cheapest car insurance company, with a monthly rate of $178, which translates to an annual cost of $2,138.
Insurance rates by car model
The average cost of car insurance for a Buick, by driver age
Your age is an important rating factor in determining your Buick car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Buick based on the driver’s age.
Cost to insure a Buick, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Buick Enclave | $9,135 | $4,567 | $761 |
| 18 | Buick Encore GX | $7,840 | $3,920 | $653 |
| 18 | Buick Envision | $8,587 | $4,293 | $716 |
Cost to insure a Buick, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Buick Enclave | $2,491 | $1,246 | $208 |
| 40 | Buick Encore GX | $2,145 | $1,073 | $179 |
| 40 | Buick Envision | $2,338 | $1,169 | $195 |
Buick car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Buick car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Buick car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,173 | $1,086 | $181 |
| Alabama | $2,199 | $1,099 | $183 |
| Arkansas | $2,347 | $1,174 | $196 |
| Arizona | $2,258 | $1,129 | $188 |
| California | $2,793 | $1,396 | $233 |
| Colorado | $3,023 | $1,512 | $252 |
| Connecticut | $2,440 | $1,220 | $203 |
| Washington, D.C. | $2,598 | $1,299 | $216 |
| Delaware | $2,265 | $1,133 | $189 |
| Florida | $2,856 | $1,428 | $238 |
| Georgia | $3,042 | $1,521 | $253 |
| Hawaii | $1,467 | $734 | $122 |
| Iowa | $1,938 | $969 | $161 |
| Idaho | $1,484 | $742 | $124 |
| Illinois | $2,292 | $1,146 | $191 |
| Indiana | $2,034 | $1,017 | $170 |
| Kansas | $2,362 | $1,181 | $197 |
| Kentucky | $2,892 | $1,446 | $241 |
| Louisiana | $3,909 | $1,955 | $326 |
| Massachusetts | $2,013 | $1,006 | $168 |
| Maryland | $2,162 | $1,081 | $180 |
| Maine | $1,591 | $796 | $133 |
| Michigan | $3,020 | $1,510 | $252 |
| Minnesota | $2,468 | $1,234 | $206 |
| Missouri | $2,970 | $1,485 | $248 |
| Mississippi | $2,342 | $1,171 | $195 |
| Montana | $2,363 | $1,181 | $197 |
| North Carolina | $1,957 | $979 | $163 |
| North Dakota | $2,028 | $1,014 | $169 |
| Nebraska | $2,503 | $1,251 | $209 |
| New Hampshire | $1,648 | $824 | $137 |
| New Jersey | $2,281 | $1,141 | $190 |
| New Mexico | $2,404 | $1,202 | $200 |
| Nevada | $2,163 | $1,082 | $180 |
| New York | $1,738 | $869 | $145 |
| Ohio | $1,647 | $824 | $137 |
| Oklahoma | $2,509 | $1,255 | $209 |
| Oregon | $2,171 | $1,085 | $181 |
| Pennsylvania | $2,446 | $1,223 | $204 |
| Rhode Island | $2,725 | $1,363 | $227 |
| South Carolina | $2,176 | $1,088 | $181 |
| South Dakota | $2,864 | $1,432 | $239 |
| Tennessee | $2,435 | $1,217 | $203 |
| Texas | $3,329 | $1,665 | $277 |
| Utah | $1,893 | $946 | $158 |
| Virginia | $1,718 | $859 | $143 |
| Vermont | $1,726 | $863 | $144 |
| Washington | $1,998 | $999 | $167 |
| Wisconsin | $1,711 | $855 | $143 |
| West Virginia | $2,209 | $1,104 | $184 |
| Wyoming | $2,283 | $1,141 | $190 |
Average car insurance cost for different vehicle makes
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To find affordable Buick car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Buick models to insure
Opting for smaller, less costly Buick models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Buick models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Buick
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Buick discounts on car insurance
One way to save money on your Buick insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Buick car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Buick
Buick, an American automobile brand, has established a name for itself as a manufacturer of luxury vehicles. Founded in 1903 by David Dunbar Buick, the company is one of the oldest in the industry and is recognized as a pillar of automotive history. Over the decades, Buick has produced a wide range of vehicles, from compact cars and sedans to SUVs and crossovers, each reflecting the brand’s commitment to elegance and performance. Its founding and rise to prominence significantly contributed to the birth and growth of General Motors, making Buick an iconic symbol of American auto-making heritage.
Final thoughts on Buick insurance costs
Buick makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Buick?
Your driving record is important in determining your Buick’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Buick affect the insurance premium?
The color of your Buick does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Buick affect insurance costs?
The age of your Buick can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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