When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Buick car insurance is $2,554 a year or $213 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 $2,554 per year.
- The Envista 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Buick vehicles compare among different insurers in the table below.
Cost to insure a Buick, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,750 | $875 | $146 |
| GEICO | $2,095 | $1,048 | $175 |
| State Farm | $2,226 | $1,113 | $186 |
| Nationwide | $2,305 | $1,153 | $192 |
| Progressive | $2,593 | $1,297 | $216 |
| Allstate | $3,109 | $1,554 | $259 |
| Farmers | $3,474 | $1,737 | $289 |
| USAA | $1,765 | $882 | $147 |
Buick average insurance rates, by model
Buick Envista car insurance cost
The average car insurance premium for Buick Envista is $199 per month, which translates to $2,388 per year. The most affordable company for a Buick Envista is Travelers with a rate of $146 monthly or $1,755 per year.
Buick Encore GX car insurance cost
The average car insurance premium for Buick Encore GX is $204 per month, which translates to $2,447 per year. The most affordable company for a Buick Encore GX is Travelers with a rate of $136 monthly or $1,628 per year.
Buick Envision car insurance cost
For Buick Envision owners, the average car insurance cost is $215 per month or $2,584 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,740 or $145 per month.
Buick Enclave car insurance cost
The average car insurance premium for Buick Enclave is $232 per month, which translates to $2,778 per year. The most affordable company for a Buick Enclave is Travelers with a rate of $154 monthly or $1,848 per year.
Insurance rates by car model
The average cost of car insurance for a Buick, by age
Buick car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Buick by 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 | $9,093 | $4,547 | $758 |
| 18 | Buick Encore GX | $8,069 | $4,034 | $672 |
| 18 | Buick Envision | $8,484 | $4,242 | $707 |
| 18 | Buick Envista | $7,811 | $3,906 | $651 |
Cost to insure a Buick, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Buick Enclave | $2,778 | $1,389 | $232 |
| 40 | Buick Encore GX | $2,447 | $1,224 | $204 |
| 40 | Buick Envision | $2,584 | $1,292 | $215 |
| 40 | Buick Envista | $2,388 | $1,194 | $199 |
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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 | $2,452 | $1,226 | $204 |
| Alabama | $2,179 | $1,090 | $182 |
| Arkansas | $2,803 | $1,401 | $234 |
| Arizona | $2,626 | $1,313 | $219 |
| California | $3,322 | $1,661 | $277 |
| Colorado | $3,038 | $1,519 | $253 |
| Connecticut | $2,901 | $1,450 | $242 |
| Washington, D.C. | $3,110 | $1,555 | $259 |
| Delaware | $2,797 | $1,398 | $233 |
| Florida | $3,227 | $1,614 | $269 |
| Georgia | $2,825 | $1,413 | $235 |
| Hawaii | $1,488 | $744 | $124 |
| Iowa | $2,162 | $1,081 | $180 |
| Idaho | $1,661 | $830 | $138 |
| Illinois | $2,160 | $1,080 | $180 |
| Indiana | $1,724 | $862 | $144 |
| Kansas | $2,442 | $1,221 | $203 |
| Kentucky | $2,949 | $1,474 | $246 |
| Louisiana | $4,204 | $2,102 | $350 |
| Massachusetts | $1,969 | $984 | $164 |
| Maryland | $2,705 | $1,352 | $225 |
| Maine | $1,546 | $773 | $129 |
| Michigan | $3,476 | $1,738 | $290 |
| Minnesota | $2,338 | $1,169 | $195 |
| Missouri | $2,424 | $1,212 | $202 |
| Mississippi | $2,815 | $1,408 | $235 |
| Montana | $2,280 | $1,140 | $190 |
| North Carolina | $2,187 | $1,094 | $182 |
| North Dakota | $1,991 | $995 | $166 |
| Nebraska | $2,610 | $1,305 | $217 |
| New Hampshire | $1,634 | $817 | $136 |
| New Jersey | $3,056 | $1,528 | $255 |
| New Mexico | $2,591 | $1,296 | $216 |
| Nevada | $3,451 | $1,726 | $288 |
| New York | $2,789 | $1,394 | $232 |
| Ohio | $1,693 | $847 | $141 |
| Oklahoma | $2,856 | $1,428 | $238 |
| Oregon | $2,215 | $1,107 | $185 |
| Pennsylvania | $2,486 | $1,243 | $207 |
| Rhode Island | $2,673 | $1,336 | $223 |
| South Carolina | $2,992 | $1,496 | $249 |
| South Dakota | $2,555 | $1,278 | $213 |
| Tennessee | $2,154 | $1,077 | $180 |
| Texas | $2,982 | $1,491 | $249 |
| Utah | $2,075 | $1,037 | $173 |
| Virginia | $2,179 | $1,089 | $182 |
| Vermont | $1,643 | $822 | $137 |
| Washington | $2,095 | $1,047 | $175 |
| Wisconsin | $2,268 | $1,134 | $189 |
| West Virginia | $2,286 | $1,143 | $190 |
| Wyoming | $1,788 | $894 | $149 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Buick car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
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, independent broker/agent with A Plus Insurance. “If you are younger and you 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 are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
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
To reduce the cost of your Buick insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
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 are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
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.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
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.
No matter which Buick model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Buick?
Yes, your driving record has a significant impact on your Buick’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Buick affect the insurance premium?
No, the color of your Buick does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Buick affect insurance costs?
The age of your Buick can influence your insurance costs. Older Buick models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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