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Buick car insurance costs $256 per month, on average, according to a September 2025 analysis of full coverage auto insurance quotes for Jerry customers. Mercury offers the cheapest coverage at $148 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

The cost to insure a Buick can vary based on many factors. Here’s a look at average car insurance rates by model, budget-friendly insurance providers and strategies to find the best Buick auto policy.

Average Buick car insurance costs

The average cost of full coverage Buick car insurance is $256 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $125 per month.

How much it costs to insure a Buick depends on several factors: the car’s model, its age, and your background as a driver. Typically, pricier vehicles are more expensive to insure, though not in every case. That’s why getting multiple car insurance quotes is key to finding the best deal.

See below for average full coverage insurance rates for different Buick models, according to Jerry’s data analysis.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Buick car insurance, by state

Car insurance rates differ by state due to varying laws and the fact that every state has its own risk factors, like crime, weather events and the number of uninsured motorists on the road.

For example, full coverage Buick auto insurance in Arizona costs an average of $225 per month. In Pennsylvania, the monthly average is $261.

Below are the average full coverage costs of Buick car insurance, by state.

Factors that affect Buick car insurance costs

Just like Buick models aren’t the same, insurance rates won’t all be the same. Premiums are dependent on several factors, including:

• Safety features: All new Buicks have many standard safety features for optimal accident prevention. Older models with fewer safety features may be subject to higher insurance costs.
• Vehicle value: The price of a Buick ranges from around $25,000 to well over $60,000—and the higher the car’s value, the higher the insurance cost will be.
• Vehicle class: Compact SUVs like the Buick Encore typically have cheaper insurance rates than large SUVs like the Enclave, electric and hybrid vehicles, sports cars, and large sedans.
• Engine size: High-performance cars—or even those with larger engines—are typically thought to be a higher risk on the road, and they’ll have insurance premiums to match.
• Availability of replacement parts: Finding parts for older Buick models is more challenging than for new models, which usually means higher insurance rates.
• Cost of repairs: With good reliability, you likely won’t need major repairs on your Buick within the first five years—but the larger the vehicle, the more expensive the repairs.
• Vehicle cost: Higher-value vehicles typically have higher insurance rates. Full coverage car insurance is the most expensive for luxury, high-performance, and sports cars.
• Vehicle age: Newer models generally cost more to insure due to newer technology and a higher replacement value.
• Vehicle safety features: Newer Buicks have many driver safety aids, enhancing vehicle safety and reducing accident risk.
• Your age: Drivers under 25 have the highest insurance rates due to minimal driving experience. On the other hand, senior drivers over 70 may also face higher insurance rates.
• Your driving record and claims history: Auto insurance companies reward good drivers with a clean driving record with lower insurance rates. If your driving record has accidents and traffic violations, insurers see you as high-risk, and you’ll pay higher rates.
• Credit history: Some states use your credit score to determine your risk level. Drivers with good credit usually see lower insurance rates.
• Coverage: Purchasing minimum coverage always comes with lower insurance rates. Increasing your coverage and/or coverage limits will also increase your premium.
• Where you keep your car: Insurance rates often vary based on where you keep your vehicle—population density, crime rates, road conditions, and other risk factors differ between states and cities and affect car insurance rates.

Here are some factors that impact auto insurance rates for Buicks

• Imports: Although Buick is an American make, parts are produced worldwide and imported, meaning insurance tends to be a bit more expensive than domestically-made vehicles.
• Safety: Buick SUVs are loaded with driver safety features to enhance on-road safety and reduce accidents—it also reduces insurance costs.
• Reliability: Although Consumer Reports suggest that Buick is less reliable than Japanese makes like Mazda and Toyota, it’s one of the most reliable American car brands.

Best Buick car insurance

Each year, Jerry’s editorial staff evaluates the best car insurance companies based on industry rating factors such as combined subsidiary complaints and relative ability to pay out claims.

Here are our top companies for 2025.

Although these insurers are strong options for most drivers, availability varies by state, and service can differ depending on where you live. Click below to see the top insurers in your area.

Cheapest Buick car insurance

Full coverage

Mercury offers the cheapest full coverage car insurance for Buick, with an average rate of $148 per month.

The following companies offer the cheapest car insurance rates for Buick, according to Jerry’s analysis of full coverage quotes.

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Buick, with an average rate of $48 per month.

These insurance companies offer the best rates a Buick with minimum coverage, based on Jerry’s quote data.

By state

The cheapest Buick insurance company varies between states, due to varying state regulations and minimum requirements. To see the cheapest carriers in your state, click below.

Buick Encore auto insurance costs

The average car insurance cost for a Buick Encore is $266 per month, according to Jerry’s data analysis of full coverage quotes.

Here are Encore auto insurance rates from Jerry customers with full coverage policies.

Buick Enclave auto insurance costs

The average car insurance cost for a Buick Enclave is $269 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are Enclave auto insurance rates from Jerry customers with full coverage policies.

Buick Envision auto insurance costs

The average car insurance cost for a Buick Envision is $276 per month, according to Jerry’s full coverage quote data.

Here are Envision auto insurance rates from Jerry customers with full coverage policies.

Buick Lesabre auto insurance costs

The average car insurance cost for a Buick Lesabre is $194 per month, according to Jerry’s analysis of full coverage quotes.

Here are Lesabre auto insurance rates from Jerry customers with full coverage policies.

Buick car insurance shopping tips

Finding affordable insurance can be tricky, but with a few good tips and tricks, you can find the coverage you need and save money.

• Shop around: Insurance providers use different algorithms to calculate insurance rates, which means quotes will vary between carriers for the same driving profile. It’s important to get quotes from multiple providers—that way, you know you’re not overpaying for insurance! Jerry makes shopping for car insurance simple by gathering quotes from over 50 top providers in seconds—no phone calls, emails, or sales pitches.
• Compare insurance costs before buying a car: Car insurance rates vary based on the make and model—and insurance for the Encore isn’t the same as for the Enclave. To reduce insurance costs, keep your add-on features and packages minimal or buy a used model.
• Increase your deductible: Your deductible is the amount you must pay before your collision or comprehensive insurance coverage kicks in on a claim. Increasing your deductible can help reduce monthly insurance payments.
• Reduce auto insurance coverage: Older cars with a lower value don’t need as much insurance, so reducing coverage can help to lower your monthly payments.
• Bundle your car and homeowners insurance: Most insurers offer bundling discounts, whether bundling auto with home or another type of insurance.
• Maintain a good credit score: Not all insurers look at credit scores when calculating premiums, but increasing your credit score can help to reduce your rates.
• Ask about eligible car insurance discounts: On top of bundling discounts, most insurers offer a selection of discounts to help drivers save, such as low-mileage, safe driver, or pay-in-full discounts.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.