Over the past year, Jerry has helped 17,162 Buick drivers find strong coverage and meaningful savings. By analyzing real Buick insurance policies, we know what owners are actually buying and what you can expect to pay for every level of protection.
Competitive annual prices for Buick drivers are currently around:
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$1,060 for basic coverage.
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$2,010 for standard coverage.
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$2,190 for premium coverage.
These figures provide a baseline, but your actual premium depends on your Buick model, driving record and location.
On average, Buick drivers pay between $1,832 and $4,195 annually for full coverage, with an average premium around $3,375. That’s lower than the national average of $4,127, thanks to Buick’s reputation for safety, dependability and affordable repairs.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage for your Buick car insurance. You can switch right away if we find a better deal, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Buick insurance with Jerry.
How much does Buick auto insurance cost?
Insurance rates aren’t the same for everyone, but Jerry makes it easy to see what other Buick drivers with your model, driving history and age are paying right now.
Recent quotes
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Carlos, 29, Sterling Heights, MI | 10/05/26 | Encore Gx Essence | Progressive | Standard | $163 | 51% |
| Elsie, 55, Ashland City, TN | 10/05/26 | Park Avenue | Root | Preferred | $150 | 24% |
| Angel, 37, Roanoke, TX | 10/05/26 | Lucerne Cx | Progressive | Basic + Full Coverage | $90 | 13% |
| Elsie, 50, Oklahoma City, OK | 10/05/26 | Encore Convenience | National General | Standard | $195 | 11% |
| Virginia, 18, Lebanon, MO | 10/05/26 | Verano | Progressive | Standard | $248 | 3% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same ZIP code, Buick drivers can see big swings in premiums. Jerry compares quotes from leading insurers so you can find the coverage that fits your lifestyle and your budget.
Insurance costs for other makes
How much does insurance cost for each Buick model?
Buick occupies a comfortable middle ground: more affordable to insure than European luxury brands, but priced slightly higher than mainstream GM siblings like Chevrolet. Models are generally close in cost to one another, with SUVs like the Enclave running a bit higher than smaller options. Find your model below to see current Jerry driver averages.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| Roadmaster Limited | $96 | $1,155 |
| Electra Park Avae | $117 | $1,406 |
| Lesabre | $124 | $1,485 |
| Skylark Custom | $134 | $1,604 |
| Regal Limited | $141 | $1,688 |
| Century Cust | $145 | $1,735 |
| Park Avenue Ultra | $152 | $1,825 |
| Terraza Cxl | $154 | $1,844 |
| Regal Custom | $164 | $1,967 |
| Envision Premium II | $165 | $1,980 |
| Terraza Cx | $169 | $2,023 |
| Century Special | $172 | $2,068 |
| Rendevous Cxl | $174 | $2,092 |
| Reatta | $190 | $2,279 |
| Rendezvous Cx | $199 | $2,392 |
| Century | $200 | $2,402 |
| Regal LS | $204 | $2,443 |
| Regal Convenience | $206 | $2,469 |
| Century Custom | $210 | $2,515 |
| Riviera | $212 | $2,543 |
| Lesabre Custom | $213 | $2,558 |
| Rainier Cxl | $216 | $2,597 |
| Roadmaster | $221 | $2,650 |
| Century Limited | $232 | $2,780 |
| Envision | $234 | $2,809 |
| Enclave Cxl | $234 | $2,814 |
| Cascada | $236 | $2,837 |
| Lacrosse Cx | $238 | $2,853 |
| Verano Premium | $238 | $2,860 |
| Lesabre Limited | $241 | $2,892 |
| Envision Premium | $241 | $2,895 |
| Encore | $243 | $2,917 |
| Lucerne Cx | $247 | $2,963 |
| Lacrosse Preferred | $247 | $2,967 |
| Encore Gx Essence | $250 | $3,002 |
| Encore Preferred II | $251 | $3,016 |
| Encore Sport Touring | $258 | $3,094 |
| Enclave Premium | $258 | $3,095 |
| Enclave | $258 | $3,096 |
| Enclave Cx | $259 | $3,106 |
| Cascada Sport Tourin | $259 | $3,110 |
| Lacrosse 1sv | $261 | $3,130 |
| Enclave Avenir | $261 | $3,131 |
| Lucerne Cxs | $262 | $3,141 |
| Lucerne Cxl | $262 | $3,141 |
| Envision Essence | $263 | $3,153 |
| Cascada 1sv | $263 | $3,153 |
| Park Avenue | $263 | $3,158 |
| Lacrosse Cxl | $264 | $3,168 |
| Lacrosse Sport Touri | $266 | $3,187 |
| Encore Gx Select | $271 | $3,247 |
| Regal Sport Touring | $271 | $3,256 |
| Encore Preferred | $274 | $3,282 |
| Envision Avenir | $275 | $3,303 |
| Regal | $278 | $3,338 |
| Lacrosse Cxs | $279 | $3,344 |
| Lacrosse Premium | $280 | $3,360 |
| Lacrosse | $280 | $3,361 |
| Encore Gx | $280 | $3,361 |
| Encore Convenience | $281 | $3,368 |
Based on Jerry customers with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
What’s the best car insurance for a Buick?
A Buick is built for comfort, not compromise… and your insurance should match. Protecting your car takes more than minimum coverage; it requires a plan that reflects the quality, reliability and technology behind every Buick.
If you have a loan or lease on your Buick, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Buick drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it provides balanced protection for vehicles designed to go the distance.
No matter your insurer, lender or budget, there are several coverage options that can help protect your Buick. Here are a few of the most popular, what they do and why Buick drivers tend to choose them.
Higher liability limits
Buicks are safe and dependable, but repairs and medical costs from an at-fault accident will add up. Nearly half (44%) of Jerry Buick drivers choose higher-than-minimum limits for added security.
Full coverage
Comprehensive and collision coverage protect your Buick from theft, hail or at-fault damage. About 39% of Jerry Buick drivers carry full coverage for confidence on every drive.
OEM parts coverage
Keeps your Buick performing like new after a claim with factory-approved parts and expert service. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Buick with a brand-new one if it’s totaled early on. Even the most reliable cars can be lost in a major accident, making this coverage a smart move for newer models.
Roadside assistance
Covers towing, jump-starts and lockouts. Buick’s factory coverage lasts up to five years, but many drivers extend it for continued peace of mind.
Rental reimbursement
Covers the cost of a rental while your Buick is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your state and policy.
Gap insurance
Pays off your remaining loan or lease balance if your Buick is totaled. Of financed drivers, around 39% add gap coverage for extra protection.
Accident forgiveness
Keeps your rates from spiking after your first at-fault accident. Without it, Buick drivers see premiums rise by almost 32% on average.
See coverage options for your Buick.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 best ways Buick drivers can shop and save on coverage
For Buick owners, smart insurance is about balancing strong coverage at a reasonable cost, with no surprises.
Jerry’s experts help Buick drivers every day find that balance, without giving up the comfort or peace of mind they value most. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 34% to 57% among Buick drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Opt for usage-based insurance | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Shop multiple carriers for the best deal
Not every insurer gets Buick pricing right. Some overvalue repair costs, while others overlook the brand’s reliability and safety record. That can lead to big price gaps for identical coverage, so a policy that’s expensive with one insurer might be a bargain with another.
Here’s where Buick drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Buick drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 52% | 18% |
| Bristol West | 22% | 18% |
| National General Value Program | 9% | 56% |
| Root | 9% | 34% |
| Assurance America | 4% | 26% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Buick drivers can save more than half by comparing quotes. Jerry shows live prices in real time, helping you find the best deal before you buy.
Tip 2: Stack discounts for bigger savings
Buick drivers often qualify for multiple discounts, like bundling policies, safe-driver rewards or low-mileage savings. But insurers don’t always apply them automatically.
Jerry checks them all to ensure you get the maximum savings possible.
Tip 3: Adjust your coverage to match your Buick
Buicks are built to last, but your coverage should evolve as your car does. Many owners choose more than the state minimum, and adjust deductibles or extras over time.
Minimum
$63 – $144/mo
Offers the legal minimum limits, which vary by state.
Full
$135 – $276/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$133 – $320/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$157 – $369/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Buick drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend a minimum of 100/300/100 for strong protection without breaking the bank.
Tip 4: Try telematics for fairer pricing
Telematics programs track your mileage and driving habits through a small device or mobile app, then reward safe or low-mileage drivers with lower rates. For Buick owners who drive smoothly and safely, these programs can trim premiums by an average of 6%.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Buick drivers, real savings
Curious what Jerry can do for Buick owners? Here are real drivers, their vehicles and the savings they secured by switching policies with Jerry.
Recent quotes
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Carlos, 29, Sterling Heights, MI | Encore Gx Essence | 10/05/26 | Progressive | $4,000 | $1,959 | $2,041 |
| Elsie, 55, Ashland City, TN | Park Avenue | 10/05/26 | Root | $2,376 | $1,802 | $574 |
| Angel, 37, Roanoke, TX | Lucerne Cx | 10/05/26 | Progressive | $1,248 | $1,083 | $165 |
| Gilbert, 50, Oklahoma City, OK | Encore Convenience | 10/05/26 | Bristol West | $2,640 | $1,246 | $1,394 |
| Virginia, 18, Lebanon, MO | Verano | 10/05/26 | Progressive | $3,072 | $2,980 | $92 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Buick insurance rates can vary, but your peace of mind shouldn’t. Whether you’re protecting a family-ready Enclave, a fuel-efficient Encore or a Regal you’ve owned for years, Jerry compares top insurers, applies discounts and manages renewals for you.
That way, you never pay more than you have to.
It only takes 2 minutes to sign up at Jerry.
FAQ
- Is Buick expensive to insure?
- Is a Buick considered a luxury car for insurance purposes?
- What coverage do I need for a financed Buick?
- How much does it cost to insure a Buick?
- How do I lower my Buick insurance rate?
- How much does it cost to insure a Buick Encore or Enclave?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
