Best Auto Insurance for Buicks in 2025

You can get the best auto insurance for Buicks from 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.

Auto-Owners stands out with accident forgiveness, gap coverage for financed Buicks, and complimentary rental reimbursement.

Company	Rank	A.M. Best	Passive Restraint	Best For	Jump to Pros/Cons
	#1	A+	11%	Customer Service	Amica
	#2	A+	10%	Leased Models	Auto-Owners
	#3	A++	9%	Usage-Based	State Farm
	#4	A++	8%	Military Savings	USAA
	#5	A+	8%	Rate Lock	Erie
	#6	A++	7%	Hybrid Vehicles	Travelers
	#7	A	7%	Custom Parts	Safeco
	#8	A	6%	Teen Drivers	American Family
	#9	A	5%	Discount Stacking	Farmers
	#10	A+	4%	New Models	Nationwide

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.

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 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.

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.

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

Insurance rates aren’t random—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, knowing how these numbers work can help you avoid overpaying when it’s time to buy auto insurance.

The Encore’s $200 full coverage rate shows it’s cheaper to insure because it’s small, safe, and less expensive to fix. On the other hand, the Regal Sportback comes in at $275 a month, mostly due to its turbo engine and higher repair bills.

The Enclave and LaCrosse sit closer to $250, thanks to their size and upscale features. Older models like the Roadmaster don’t necessarily come cheaper—parts are rare, and safety tech is outdated. Choosing the right model could save you close to $1,000 a year in premiums.

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. 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 Reduce 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.

Company	UBI	Bundling	Pay-in-Full	Military	Green Car
	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.

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 – 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.
• 11% Passive Restraint Discount: Buick drivers with factory-installed airbags and automatic seatbelts can qualify for an 11% discount. 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.
• 10% Passive Restraint Discount: Buick models equipped with airbags and automatic belts qualify for this discount.
• 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.
• 9% Passive Restraint Discount: Safety-equipped Buicks qualify for additional savings through passive safety systems. 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: The discount is available only with consistent location tracking in Buicks.

#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.
• 7% Passive Restraint Discount: Applies to models with built-in airbags and passive belts.

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.

#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.

#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.