Best Auto Insurance for Buicks in 2026
Erie, USAA, and Nationwide offer the best auto insurance for Buick owners, with rates starting at $97 a month.
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Insurance Copywriter
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, AllWom...
Rachel Bodine
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated January 2026
You can get the best auto insurance for Buicks from Erie, USAA, and Nationwide, but Amica has the cheapest car insurance company for Buicks at $97 per month.
- 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
It also offers OEM parts replacement, full glass repair with no deductible, and up to 20% policyholder dividends annually.
Auto-Owners stands out with accident forgiveness, gap coverage for financed Buicks, and complimentary rental reimbursement.
Top 10 Companies: Best Auto Insurance for Buicks| Company | Rank | Claims Satisfaction | A.M. Best | Best For |
|---|---|---|---|---|
 | #1 | 743/1,000 | A+ | Rate Lock |
 | #2 | 741/1,000 | A++ | Military Savings |
 | #3 | 729/1,000 | A+ | New Models |
 | #4 | 718/1,000 | A+ | Low Rates |
 | #5 | 716/1,000 | A++ | Usage-Based |
 | #6 | 711/1,000 | A+ | Leased Models |
 | #7 | 702/1,000 | A | Teen Drivers |
 | #8 | 691/1,000 | A++ | Hybrid Vehicles |
 | #9 | 690/1,000 | A | Discount Stacking |
 | #10 | 672/1,000 | A | Custom Parts |
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.
If you’re ready to shop for auto insurance, enter your ZIP code now to uncover affordable Buick insurance options tailored to your location.
Buick Auto Insurance Rates From Top Providers
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 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.
Explore real solutions for what to do if you can’t afford your auto insurance.
Buick Auto Insurance Rates by Driver
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 Full Coverage Insurance Monthly Rates by 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?
Buick Auto Insurance Rates by Model
Are Buicks expensive to insure? Insurance rates can be higher because they reflect how each Buick is built, what it costs to repair, and how risky it is to insure.
If you’re shopping for a Buick, comparing quotes by model can help you avoid overpaying when it’s time to buy auto insurance.
Buick Auto Insurance Monthly Rates by Model| Vehicle Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Buick Cascada | $105 | $230 |
| Buick Enclave | $115 | $250 |
| Buick Encore | $90 | $200 |
| Buick Envision | $100 | $220 |
| Buick LaCrosse | $110 | $240 |
| Buick Lucerne | $120 | $260 |
| Buick Regal | $95 | $210 |
| Buick Regal Sportback | $130 | $275 |
| Buick Roadmaster | $125 | $265 |
| Buick Verano | $92 | $205 |
Insurance rates for Buick Encore drivers average $200 a month for full coverage, which is cheaper than other models because it’s small, safe, and less expensive to fix.
Buick Verano car insurance is also one of the most affordable policies, starting at $92 a month for minimum coverage and $205 monthly for full.
A $45 gap between the newest and oldest Buick models may seem small monthly, but it adds up to over $500 per year.
Heidi Mertlich Licensed Insurance Agent
Buick Regal car insurance, specifically for the Sportback, comes in at $275 a month, mostly due to its turbo engine and higher repair bills. Buick Enclave and Buick LaCrosse car insurance sit closer to $250 monthly, thanks to their size and upscale features.
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.
Buick Auto Insurance Rates by Model Year| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2025 | $130 | $260 |
| 2024 | $120 | $250 |
| 2023 | $125 | $255 |
| 2022 | $128 | $258 |
| 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. The 2025 Buick Envista insurance cost will be much higher than that of an older model.
Classic models like the Roadmaster don’t necessarily come cheaper. Parts are rare, and safety tech is outdated (Learn More: Best Classic Car Insurance). Choosing the right model could save you close to $1,000 a year in premiums.
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Auto Insurance Coverage Options 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.
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.
Auto Insurance Coverage Options for Buicks| 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 |
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 crash into another vehicle or a pole. Comprehensive coverage covers non-crash events like theft, hail, or a broken windshield.
Uninsured motorist coverage kicks in if someone hits you and has no insurance. Medical Payments and PIP cover ER visits, surgeries, or income loss if you can’t work.
Tips to Lower Buick Insurance Premiums
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 count and how they pair with your driving habits, payment options, and profile.
Buick Auto Insurance Discounts From Top Providers| Company | Bundling | Military | Pay-in-Full | Usage Based |
|---|---|---|---|---|
| 25% | 12% | 20% | 30% |
| 30% | 10% | 15% | 20% |
| 16% | 10% | 12% | 30% |
| 25% | 12% | 5% | 30% |
| 20% | 20% | 10% | 30% |
| 20% | 15% | 15% | 40% |
| 15% | 25% | 15% | 30% |
| 17% | 25% | 15% | 30% |
| 13% | 10% | 15% | 30% |
| 10% | 30% | 20% | 30% |
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.
Brad Larson Licensed Insurance Agent
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 10 Buick Car Insurance Companies
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.
#1 – Erie: Top Pick Overall
Pros
- Rate Lock Guarantee: Buicks retain the same monthly premium year-over-year regardless of driving record or claims, unless coverage changes.
- 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 review.
- 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.
#2 – 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. There’s a full list of discounts in our 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.
#3 – Nationwide: Best for New Buicks
Pros
- Total Loss Replacement Coverage: New Buicks under two years old are replaced with a new or similar model if they’re totaled in a claim.
- Vanishing Deductible: Avoid filing Buick car insurance claims to see your deductible drop $100 every year. Our Nationwide insurance review explains how it works.
- SmartRide Discount: Usage-based telematics program rewards Buick drivers with up to 40% off for safe driving habits and low mileage.
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.
#4 – Amica: Best for Low Rates
Pros
- Cheap Buick Insurance: Amica has low rates for minimum and full coverage car insurance for Buicks, with up to 20% annual earnings on dividends.
- Passive Restraint Discount: Buick drivers with factory-installed airbags and automatic seatbelts can qualify for an 11% discount (See More: 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.
#5 – 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: Our State Farm auto insurance review explains how Buick drivers can earn up to 30% off for safe driving through in-app or OnStar monitoring.
- Passive Restraint Discount: Safety-equipped Buicks qualify for additional savings through passive safety systems. Get a full discount list in our .
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: The discount is available only with consistent location tracking in Buicks.
#6 – 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, and it costs less than $5 a month.
- Passive Restraint Discount: Buick models equipped with airbags and automatic belts qualify for a 10% discount.
- Personal Auto Plus Package: According to Auto-Owners reviews, Buick drivers add this for rental reimbursement, trip interruption, and identity theft protection.
Cons
- Limited Digital Management: Buick insurance can’t be managed fully online, and policy changes must be handled through an agent.
- Regional Coverage: Auto-Owners is available in 26 states, limiting access for Buick owners outside that range.
#7 – 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.
- Discounts for Good Students: Full-time students in high school and college who drive Buicks and maintain a B average or higher qualify for savings.
- 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.
- Premium Spikes for Teen Accidents: At-fault crashes involving Buicks driven by teens can raise rates by 30% or more (Learn More: AmFam Insurance Review).
#8 – Travelers: Best for Hybrid Buicks
Pros
- Hybrid Vehicle Discount: Buicks like the Envision Hybrid qualify for eco-friendly benefits, including premium discounts and coverage add-ons.
- IntelliDrive Discount: Buick drivers earn significant savings of up to 30% by enrolling in this 90-day telematics program.
- Passive Restraint Discount: Buicks with built-in airbags and passive belts automatically earn 7% off premiums.
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. Compare quotes for free in our Travelers auto insurance review.
#9 – Farmers: Best for Discount Stacking
Pros
- Signal App Discount: Buick drivers who track their driving habits using the usage-based app receive discounts of up to 30% based on real-time behavior data.
- Multi-Line Discount: Combining auto, life, and renters coverage slashes Buick premiums by 20%.
- Affordable OEM Coverage: 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 through a Farmers agent.
- Three-Day Rental Cap: Basic policy only includes rental car coverage for three days unless upgraded (Read More: Everything You Need to Know About Farmers Insurance).
#10 – Safeco: Best for Custom Equipment
Pros
- Custom Equipment Coverage: Safeco protects aftermarket installations added to Buicks, such as audio systems or navigation units.
- RightTrack Program: Buick drivers earn up to 30% off with this safe driving discount program. Our Safeco auto insurance review walks through the sign-up process.
- 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.
Frequently Asked Questions
Who offers the best auto insurance for Buicks?
Erie offers the best car insurance coverage for Buicks, with a rate lock guarantee and top-tier roadside assistance that includes accident forgiveness.
Read More: Erie vs. Metlife Insurance
Are Buicks more expensive to insure?
Buicks are not considered expensive to insure. Full coverage rates average $260 per month for a 2025 model and drop to $125 per month for a 2015 model.
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.
Is Geico or Progressive better for Buick insurance coverage?
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.
Which company has the cheapest Buick auto insurance?
Geico has the most affordable Buick car insurance, often offering minimum coverage under $100 a month with multi-vehicle and safe-driving discounts. Enter your ZIP code to find the cheapest Buick auto insurance company near you.
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.
How do I 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.
Is State Farm cheaper than Geico for Buick auto insurance?
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.
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.
Why is my Buick car 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. Find out what to do when you’re denied insurance coverage.
What is the best way to get cheap Buick auto insurance?
What is the cheapest Buick auto insurance for seniors over 60?
What color of Buick is the cheapest to insure?
At what point is Buick car insurance not worth it?
What is the average Buick Envista insurance cost per month?
How much does Buick Encore insurance cost?
Are Buicks reliable compared to other mid-size vehicles?
Which Buick auto insurance company denies the most claims?
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