Best Auto Insurance for Buicks in 2025 (Top 10 Companies for Your Vehicle!)
Amica, Auto-Owners, and State Farm provide the best auto insurance for Buicks. Buick insurance costs start at $97 per month. Amica offers OEM parts and dividend policies, Auto-Owners includes diminished value coverage, and State Farm features Buick insurance discounts for low-mileage and safe drivers of up to 30%.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Apr 30, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Full Coverage for Buicks
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Full Coverage for Buicks
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18,154 reviewsCompany Facts
Full Coverage for Buicks
A.M. Best
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Pros & Cons
18,154 reviewsThe best auto insurance for Buicks is with Amica, Auto-Owners, and State Farm. Amica ranks first as the cheapest car insurance company for Buicks at $97 per month. It also offers OEM parts replacement, full glass repair with no deductible, and up to 20% policyholder dividends annually.
Our Top 10 Company Picks: Best Auto Insurance for Buicks| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | A+ | Customer Service | Amica |
 | #2 | 16% | A+ | Leased Models | Auto-Owners |
 | #3 | 17% | A++ | Usage-Based | State Farm |
 | #4 | 10% | A++ | Military Savings | USAA |
 | #5 | 25% | A+ | Rate Lock | Erie |
 | #6 | 13% | A++ | Hybrid Vehicles | Travelers |
 | #7 | 15% | A | Custom Parts | Safeco |
 | #8 | 25% | A | Teen Drivers | American Family |
 | #9 | 20% | A | Discount Stacking | Farmers |
 | #10 | 20% | A+ | New Models | Nationwide |
Auto-Owners stands out with accident forgiveness, gap coverage for financed Buicks, and complimentary rental reimbursement.
State Farm rounds out the top three by offering low-mileage discounts and high claims satisfaction. Keep reading to compare auto insurance companies that specialize in Buick insurance.
- Amica offers full glass repair with zero premium increase
- Auto-Owners includes unlimited roadside help for all Buicks
- State Farm covers Buick OnStar tech with no surcharge
If you’re ready to shop for auto insurance, enter your ZIP code now to uncover affordable Buick insurance options tailored to your location.
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#1 – Amica: Top Overall Pick
Pros
- Cheap Buick Insurance: Amica has the lowest rates on minimum and full coverage car insurance for Buicks, with up to 20% annual earnings on dividends.
- 30% Multi-Policy Discount: Buick drivers bundling home and auto save up to 30%, the highest rate among top carriers. See more discounts in our Amica insurance review.
- Platinum Choice Auto: Covers OEM parts for Buicks and includes identity fraud protection and new car replacement. Buicks are also eligible for full glass repairs with a $0 deductible.
Cons
- No Rideshare Coverage: Amica does not offer rideshare add-ons for Buick drivers using platforms like Uber or Lyft for work.
- Limited Mobile App Features: The app lacks roadside assistance tracking and claims progress for Buicks.
#2 – Auto-Owners: Best for Leased Buicks
Pros
- Loan/Lease Gap Coverage: Covers the remaining loan balance if a financed Buick is totaled in a covered loss. Find out if it fits your needs in this Auto-Owners car insurance review.
- 16% Bundling Discount: Buick drivers bundling home and auto qualify for a 16% discount, as listed in the rate table.
- Personal Auto Plus Package: Adds rental reimbursement, trip interruption, and identity theft protection for Buicks.
Cons
- Limited Digital Management: Buick insurance can’t be managed fully online, and policy changes must be handled through an agent.
- Coverage Not Nationwide: Auto-Owners is available in 26 states, limiting access for Buick owners outside that range.
#3 – State Farm: Best for Usage-Based Coverage
Pros
- Steer Clear Program: Buick drivers under 25 can qualify for discounts by completing this safe driving course.
- Drive Safe & Save Program: Connected via OnStar or a mobile app, Buick drivers can earn up to 30% off for safe driving.
- 17% Bundling Discount: Bundling Buick coverage with homeowners results in savings of up to 17%. Get a full discount list in our State Farm auto insurance review.
Cons
- Optional Add-Ons: Drivers must purchase separate rental reimbursement and roadside assistance coverage, and it often costs more than at other Buick auto insurance companies.
- Drive Safe & Save Tracking: Discount is available only with consistent location tracking in Buicks.
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#4 – USAA: Best for Military Savings
Pros
- Affordable Premiums: USAA offers the best auto insurance rates to Buick drivers in the military, starting at $103 monthly.
- Stored Vehicle Discount: Buicks stored during deployment receive up to 60% off comprehensive-only policies. Uncover exclusive savings options in this USAA insurance review.
- Emergency Road Service Add-On: Offers 24/7 towing and locksmith coverage tailored for Buicks when selected.
Cons
- Military-Only Access: USAA is not available to civilian Buick owners unless their spouse or parent is active duty or a veteran.
- Limited In-Person Support: Buick claims and questions must be handled online or by phone due to fewer branches.
#5 – Erie: Best for Rate Lock
Pros
- Rate Lock Guarantee: Buicks retain the same monthly premium year-over-year regardless of driving record or claims, unless coverage changes.
- 25% Multi-Policy Discount: Buick owners bundling home and auto enjoy one of the largest combo savings offered. Explore rates and discounts in Erie auto insurance vs. MetLife.
- Erie Auto Plus: Adds diminishing deductible, locksmith service, and first-accident forgiveness for Buicks at an affordable rate.
Cons
- Only Available in 12 States + D.C.: Buicks in most western or southern states can’t be insured through Erie.
- Slower Digital Claims: Buick owners must initiate most claims via phone, not an app or online portal.
#6 – Travelers: Best for Hybrid Vehicles
Pros
- Hybrid Vehicle Discount: Applies to qualifying Buicks like the Envision Hybrid for eco-friendly benefits. Learn more in our Travelers auto insurance review.
- IntelliDrive Discount up to 30%: Buick drivers earn significant savings by enrolling in this 90-day telematics program.
- 13% Bundling Discount: Buick drivers bundling home and auto with Travelers qualify for an average 13% savings.
Cons
- Telematics Penalties: Risky driving data using IntelliDrive can increase Buick insurance costs.
- High Starting Rates: Initial quotes for Buicks tend to be above the market average before applying discounts.
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#7 – Safeco: Best for Custom Equipment
Pros
- Custom Equipment Coverage: Protects installed technology, such as audio systems or navigation units, added to Buicks.
- RightTrack Program: Buick drivers earn up to 30% off with this safe driving discount program.
- Diminishing Deductible Program: Deductible reduces by $100 each year you avoid filing a Buick insurance claim.
Cons
- Limited OEM Parts Coverage: May require policy upgrades to ensure original parts are used after repairs. Find out how people got auto insurance right and avoided common mistakes.
- Valet Service Availability: Claims valet pickup and return for Buicks is only available in select metro areas.
#8 – American Family: Best for Teen Drivers
Pros
- Teen Safe Driver App: Buick teen drivers can reduce premiums by up to 10% using mobile-based driving reports.
- Good Student Discount: Full-time students driving Buicks with a B average or higher qualify for savings.
- 25% Bundling Discount: Families insuring Buicks and homes under American Family save up to 25%.
Cons
- Device Monitoring Required: Buick discounts tied to teen behavior require active mobile tracking. Find out where drivers get the cheapest car insurance.
- Premium Spikes for Teen Accidents: At-fault crashes involving Buicks driven by teens can raise rates by 30% or more.
#9 – Farmers: Best for Discount Stacking
Pros
- Signal App Discount up to 30%: Buick drivers using the app receive discounts based on real-time behavior data.
- 20% Multi-Line Discount: Combining auto, life, and renters coverage slashes Buick premiums significantly.
- OEM Coverage Add-On: Optional endorsement ensures new Buick parts are used after repairs.
Cons
- Default $1,000 Deductible: Buick policies often default to this higher deductible unless manually adjusted.
- Three-Day Rental Cap: Basic policy only includes rental car coverage for three days unless upgraded. Get everything you need to know about Farmers Insurance.
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#10 – Nationwide: Best for New Car Owners
Pros
- Total Loss Replacement Coverage: New Buicks (under 2 years old) are replaced with a same-model vehicle, not depreciated value.
- Vanishing Deductible: Avoid filing Buick car insurance claims to see your deductible drop $100 every year.
- SmartRide Discount up to 40%: Telematics program rewards Buick drivers for acceleration, braking, and mileage habits.
Cons
- Device Compatibility: Some older Buick models may not meet SmartRide telematics requirements.
- Delayed Total Loss Reimbursement: Replacing totaled Buicks can take 10–14 business days, longer than competitors. See which providers made the list of best car insurance companies.
Buick Insurance Costs Reflect Use and Vehicle Age
Insurance rates for Buicks impact monthly budgets by over 50%, depending on the plan. Amica’s $97 monthly minimum coverage means lower upfront costs, which is ideal for Buick owners who drive less or use their cars seasonally.
Buick Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $137 | $274 |
| $97 | $194 |
| $117 | $234 |
| $121 | $242 |
| $143 | $286 |
| $148 | $296 |
| $132 | $264 |
| $109 | $218 |
| $126 | $252 |
| $103 | $206 |
On the other hand, Farmers charges $286 per month for full coverage — nearly triple Amica’s rate — making it harder to justify for an older Buick model.
State Farm’s full coverage at $218 a month falls into the affordable tier, especially for those who qualify for its 30% usage-based discount. Nationwide’s $296 monthly full coverage may suit new Buick owners seeking perks like total loss replacement, but it’s not the best choice for an older model.
Monthly Buick insurance premiums decrease consistently as the vehicle ages, but the financial impact depends on how long you plan to own or insure the vehicle. A $45 gap between the newest and oldest models may seem small monthly, but it adds up to over $500 per year.
Buick Auto Insurance Monthly Rates by Model Year & Coverage Level| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 | $120 | $250 |
| 2023 | $125 | $255 |
| 2022 | $130 | $260 |
| 2021 | $135 | $265 |
| 2020 | $140 | $270 |
| 2019 | $145 | $275 |
| 2018 | $150 | $280 |
| 2017 | $155 | $285 |
| 2016 | $160 | $290 |
| 2015 | $165 | $295 |
Buick owners, when comparing model years, should weigh premium savings against repair liabilities and actual cash value. Explore real solutions for what to do if you can’t afford your auto insurance.
Traffic Violations Increase Buick Insurance Rates
Insurance rates shift dramatically based on age and driving history, with younger drivers often absorbing the harshest penalties. Even one ticket or accident early on can stack thousands in added premiums over just a year.
Buick Auto Insurance Monthly Rates by Age & Driving Record| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 16-Year-Old | $430 | $475 | $510 | $590 |
| 18-Year-Old | $390 | $430 | $460 | $545 |
| 25-Year-Old | $220 | $250 | $270 | $340 |
| 30-Year-Old | $190 | $215 | $240 | $310 |
| 40-Year-Old | $170 | $195 | $215 | $285 |
| 45-Year-Old | $165 | $190 | $210 | $275 |
| 50-Year-Old | $160 | $185 | $205 | $270 |
| 60-Year-Old | $155 | $180 | $200 | $260 |
| 65-Year-Old | $160 | $185 | $210 | $265 |
A 16-year-old with a DUI pays $590 per month, $160 more a month than a peer with a clean record, totaling $1,920 more per year.
That same offense at age 40 adds only $115 monthly, showing how insurers weigh inexperience more heavily than age alone.
Learn more: Is it bad to cancel car insurance?
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Breakdown of Common Auto Insurance Coverages for Buicks
Each one of these core coverage types protects you from a different kind of loss, and skipping the wrong one could leave you with a bill you can’t afford.
Buick Auto Insurance Coverage Options| Coverage Type | Description |
|---|---|
| Liability | Covers others’ injuries and property damage |
| Collision | Covers damage to your car in a crash |
| Comprehensive | Covers theft, vandalism, weather, etc. |
| Uninsured Motorist | Covers you if the other driver has no insurance |
| Medical Payments | Pays your medical bills after an accident |
| PIP (Personal Injury) | Covers medical costs and lost wages |
| Roadside Assistance | Helps with towing, flat tires, lockouts, etc. |
| Rental Reimbursement | Pays for rental car if yours is in the shop |
| Gap Insurance | Covers the loan balance if your car’s totaled |
Liability coverage is legally required in most states and protects you if you cause an accident, covering up to hundreds of thousands in injury or property damage, so you’re not paying out of pocket. Gap insurance is essential if your Buick is financed, covering the loan difference if it’s totaled and worth less than what you owe (Read More: Guide on the Best Time to Buy a New Car).
Lenders frequently require collision coverage on financed Buicks, which covers repairs if you collide with another vehicle or a pole. Comprehensive coverage covers non-crash events like theft, hail, or a broken windshield, which are common in urban or storm-prone areas.
Uninsured motorist coverage kicks in if someone hits you and has no insurance, which happens in about 1 in 8 crashes. Medical Payments and PIP cover ER visits, surgeries, or income loss if you can’t work.
Stack Discounts to Slash Buick Insurance Costs
Not all discounts are created equal — some shave just a few dollars, while others cut monthly Buick premiums in half. One of the best hacks to save money on car insurance is knowing which discounts carry weight and how they pair with your driving habits, payment choices, and profile.
Buick Auto Insurance Discounts From Top Providers| Insurance Company | UBI | Bundling | Pay-in-Full | Military | Green Vehicle |
|---|---|---|---|---|---|
| 30% | 25% | 20% | 12% | 5% |
| 20% | 30% | 15% | 10% | 5% |
| 30% | 16% | 12% | 10% | 5% |
| 30% | 25% | 5% | 12% | 5% |
| 30% | 20% | 10% | 20% | 8% |
| 40% | 20% | 15% | 15% | 10% |
| 30% | 15% | 15% | 25% | 7% |
| 30% | 17% | 15% | 25% | 5% |
| 30% | 13% | 15% | 10% | 10% |
| 30% | 10% | 20% | 30% | 10% |
Nationwide’s 40% UBI discount is the highest on the list, potentially saving over $75 per month for low-mileage Buick drivers. State Farm Drive Safe & Save UBI is also competitive with a 30% discount, and State Farm also won’t raise rates for tracking bad driving habits.
Usage-based discounts like SmartRide or Drive Safe & Save reward actual driving behavior, which is ideal for low-mileage or safe Buick drivers.
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American Family’s 25% bundling deal can drop a $274 full coverage premium to around $205 when paired with homeowners insurance coverage, making it a smart move for property-owning drivers. Paying in full with AmFam also yields up to 20% off, which is ideal for Buick owners looking to skip monthly billing fees.
Top Buick Insurance Companies With Unique Perks
Amica, Auto-Owners, and State Farm are the top picks for the best auto insurance for Buicks. With monthly rates starting as low as $97, Amica provides OEM parts replacement and full glass repair with no deductible and up to 20% in annual policyholder dividends.
Auto-Owners includes diminished value coverage and rental reimbursement at no added cost, ideal for newer Buicks. State Farm stands out with a 30% discount available through its Drive Safe & Save program. Find more ways to save with our tips to pay less for car insurance.
With rate differences reaching $191 per month between companies, Buick owners can save significantly by leveraging discounts. The best way to find savings near you is to compare personalized Buick auto insurance quotes online from multiple top-rated providers. Enter your ZIP code to get free quotes today.
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Frequently Asked Questions
Are Buicks more expensive to insure?
Buicks are not considered expensive to insure. Full coverage rates average $170 per month for a 2024 model and drop to $125 monthly for a 2015 model.
Who offers the best auto insurance coverage for Buicks?
Amica offers the best auto insurance coverage for Buicks, with full glass repair at no deductible, OEM parts, and annual policyholder dividends of up to 20%.
Is $200 a month a lot for Buick auto insurance?
Yes, $200 a month is high unless you’re insuring a new Buick with full coverage. Farmers charges $286 monthly for full coverage, while Amica offers it for $194. Overpaying without shopping around is one of the top ways you’re wasting money on your car.
Which company has the most affordable Buick auto insurance?
Geico has the most affordable Buick car insurance for clean drivers, often offering minimum coverage under $100 with multi-vehicle and safe-driving discounts. Enter your ZIP code to find the cheapest Buick auto insurance company near you.
Which is better, Geico or Progressive, for Buick insurance?
Geico is best for budget-conscious Buick drivers with a clean record, while Progressive insurance offers better flexibility for high-risk drivers and optional accident forgiveness.
Is it possible to get a better deal on Buick auto insurance?
Yes, Buick drivers can save over $100 monthly by switching providers, bundling with homeowners insurance, and using telematics like State Farm’s Drive Safe & Save. Learn how it works in our guide to usage-based car insurance.
What is a good monthly payment for Buick auto insurance?
A good monthly payment for Buick car insurance falls between $97 and $130; for example, Auto-Owners offers full coverage at $234 monthly and minimum at $117.
What is the cheapest full coverage auto insurance for Buicks?
Amica provides the cheapest full coverage car insurance for Buicks at $194 per month, including valuable benefits like OEM parts and no-deductible windshield repair.
Why is my Buick auto insurance so high with a clean record?
Even with a clean record, rates can be high due to ZIP code risk factors, insuring a newer model, low deductibles, or lack of usage-based program participation. We address these issues in What to Do When You’re Denied Insurance Coverage.
Is Allstate cheaper than Geico for Buicks?
Geico insurance is typically cheaper than Allstate for Buicks, with rates averaging $30 to $50 lower per month when paired with discounts like multi-policy or good driver.
What is the best way to get cheap Buick auto insurance?
The best way to get cheap Buick car insurance is to compare quotes, use bundling discounts, raise deductibles, and join programs like Nationwide’s SmartRide (up to 40%).
What is the cheapest Buick auto insurance for seniors over 60?
Auto-Owners and Geico offer the cheapest Buick car insurance for seniors over 60, especially when combined with low-mileage or retirement-based usage discounts, and both providers also offer competitive auto insurance for disabled veterans.
What color of Buick is the cheapest to insure?
Color does not affect Buick car insurance rates. Insurers’ price is based on model year, claim risk, and safety features, not whether your car is red, black, or silver.
Is State Farm cheaper than Geico for Buicks?
Geico is often cheaper than State Farm for Buicks, but State Farm offers a 30% safe-driving discount through Drive Safe & Save, which can offset higher base rates.
At what point is Buick auto insurance not worth it?
Buick car insurance may not be worth full coverage if the car is worth under $3,000 and full coverage costs more than 10% of its value annually.
What is the average Buick Envista insurance cost per month?
The Buick Envista insurance cost averages around $148 per month for full coverage, depending on your location, driving record, and chosen deductible. Costs may rise if animals or natural disasters damage your vehicle and you lack comprehensive coverage.
How much is the average Buick Encore insurance cost?
The Buick Encore insurance cost typically ranges from $132 to $170 per month, with full coverage rates higher for newer models like the 2024 Encore.
Are Buicks reliable compared to other mid-size vehicles?
Yes, Buicks are reliable, often ranking above average in J.D. Power dependability studies, with models like the Encore and Enclave earning strong long-term reliability scores.
Buick drivers with clean records can still overpay, so use our free comparison tool to explore usage-based programs and bundling options that lower costs.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.