Car insurance for Buicks is cheaper than you might expect. Buicks cost about $130 to $200 a month to insure for full coverage, which is at or below the national average, because they are mainstream, well-built cars driven mostly by lower-risk drivers. The Buick Encore and older sedans are the cheapest to insure, while the newest Envista and the larger Enclave and Envision cost a bit more. USAA, GEICO, State Farm, Progressive, and Travelers are frequently among the cheapest for Buicks. One thing to clear up: “GM Insurance” is General Motors’ own insurance product, not the only way to insure a Buick, and it is worth comparing against standard carriers rather than assuming it is cheapest.
Car insurance for Buicks: key facts at a glance
| Item | Detail | Source |
|---|---|---|
| Average cost | About $130 to $200 a month for full coverage | Compare.com / Insurance.com |
| Vs. national average | At or below the roughly $150 monthly average | Compare.com |
| Cheapest models | Buick Encore and older sedans | Insuranceopedia |
| Pricier models | Newest Envista, plus Envision and Enclave | Compare.com |
| Often cheapest insurers | USAA, GEICO, State Farm, Progressive, Travelers | The Zebra / Compare.com |
| GM Insurance | GM’s own usage-based insurer, formerly OnStar Insurance | GM Financial |
| Why cheap | Strong safety, moderate repair costs, lower-risk drivers | Insurance.com |
| Data caveat | GM’s OnStar Smart Driver data program ended in 2024 | FTC |
Are Buicks expensive to insure?
Here is the good news up front: no, Buicks are not expensive to insure. They are actually one of the more affordable brands to cover.
According to Compare.com, the average Buick costs about $132 a month for full coverage, compared with the national average of roughly $150. Other studies land a bit higher, with Insurance.com putting the Buick average near $196 a month, but even those note it is below the average for its vehicle class. The spread comes from different driver profiles and models in each study. Either way, the takeaway holds: Buicks sit at or below the typical car for insurance cost.
That surprises people, because Buick markets itself as a near-luxury brand, and luxury usually means pricey coverage. Buick is the exception. The reason is that Buick sits in a sweet spot. It has the safety and comfort of an upscale car, but the parts, values, and repair costs of a mainstream one. The Zebra pegs the brand’s six-month full-coverage average near $927, which works out to a modest monthly figure for most drivers. If you only carry liability, the cost drops much further, often to around $80 a month, though liability alone leaves your own Buick unprotected.
Buick car insurance cost by model
Your exact model matters more than the brand name, so here is how the lineup compares. These are rough full-coverage averages for a clean-record driver, and your quote will vary.
| Buick model | Approx. full coverage | Notes |
|---|---|---|
| Encore / Encore GX | About $155 to $170 a month | Small SUV; among the cheapest Buicks |
| Enclave | About $165 to $210 a month | Larger SUV; costs a bit more |
| Envision | About $160 to $205 a month | Midsize SUV; near the Buick average |
| Envista | About $160 to $229 a month | Newest model, so it runs higher |
| Older sedans (Lucerne, Verano, LaCrosse) | About $90 to $150 a month | Discontinued models; cheapest to insure |
Two patterns explain the whole table. Newer and pricier models cost more to insure, which is why the fresh 2025 Envista can top the list despite being a small SUV. And older, discontinued sedans like the Lucerne, Verano, and LaCrosse are the cheapest, because their values and repair costs are low. If low insurance cost is a priority, a used Buick sedan or an Encore is the sweet spot.
Why are Buicks cheap to insure?
The low rates are not an accident. Several real factors push Buick premiums down, and they all come back to risk and repair cost.
Buicks earn strong safety ratings, and safer cars mean fewer and smaller injury claims. Their parts and repairs are moderately priced. Buick shares components with mainstream Chevrolet and GMC models, so a fender bender does not cost a fortune to fix. Buicks are not performance cars or theft magnets, so insurers see less risk of speeding claims or stolen-vehicle payouts. And Buick’s buyer base skews older and lower-risk, which nudges the brand’s average down further. Put together, these make Buick a low-drama, low-cost brand to insure.
Cheapest car insurance companies for Buicks
No single insurer is cheapest for every Buick driver, because rates depend on your location, record, and model. But some carriers show up on the cheap list again and again.
USAA is often the lowest for those who qualify, meaning military members and their families. Among insurers open to everyone, GEICO, State Farm, Progressive, American Family, and Travelers frequently post the lowest Buick rates in independent studies. Auto-Owners and Erie also rate well in their regions, often bundling in extras like new-car replacement or accident forgiveness. Nationwide and American Family round out the group that frequently quotes Buick drivers competitively. The right fit shifts by state, so a carrier that is cheapest in Ohio may not be in Texas. The pattern is clear, but the winner for you depends on your details. The only reliable way to find your cheapest option is to compare at least three quotes for your exact model and ZIP code. The same Buick can vary by more than $100 a month between insurers. That gap is real money, and it is why shopping beats loyalty.
“GM Insurance”: what it is, and is it any good?
Search for Buick insurance and you will see “GM Insurance” everywhere, so here is what it actually is. GM Insurance is General Motors’ own insurance product, sold through GM Financial. It was called OnStar Insurance until early 2024, when GM rebranded it.
It is a usage-based insurer, meaning it can price partly on how you actually drive. It offers perks aimed at GM owners: loyalty discounts, replacement with genuine GM parts, and home-charger coverage for GM electric vehicles. Per ValuePenguin, only owners of GM vehicles from 2016 or newer with OnStar capability qualify for its full driving discounts. It is available in a limited set of states, not nationwide. So is it any good? It can be competitive for a safe driver who owns a newer GM vehicle, but it is not automatically the cheapest, and reviews describe its base rates as fairly average. Treat it as one quote to gather, not the default choice. One honest caveat worth knowing: GM’s separate OnStar Smart Driver program, which collected driving data, was shut down in 2024 after reporting revealed the data was sold to brokers and raised some owners’ premiums, leading to an FTC settlement. GM has since stopped that data-sharing, but it is a reason to read any telematics consent carefully.
How to lower your Buick insurance
Even with already-low Buick rates, a few moves can trim the bill further. Small choices add up over a policy year.
Raising your deductible is the fastest lever. Moving from a $500 to a $1,000 deductible typically cuts your premium by roughly 10% to 15%, though you take on $500 more out of pocket if you file a claim. Here is the quick math. If full coverage costs you $180 a month, dropping to the higher deductible might save around $20 to $25 a month, or $240 to $300 a year. It pays for the extra $500 of risk in about two years if you stay claim-free. That trade works well for careful drivers with some savings, and poorly for anyone who could not absorb a surprise $1,000 bill. Bundling your Buick with home or renters insurance is another big saver, often 10% to 20%. Ask about every discount you might qualify for: safe driver, low mileage, good student, and paid-in-full. Consider a usage-based or telematics program if you drive safely and not many miles. And shop your rate against at least three insurers every renewal, since loyalty rarely pays in car insurance.
Is $300 a month a lot for a Buick?
Given that the average Buick costs $130 to $200 a month for full coverage, yes, $300 a month is high for one. If you are paying that, something in your profile is driving it up.
The usual culprits are a young driver on the policy, a recent accident or ticket, or a low credit-based insurance score. A high-cost state or ZIP code can do it too, as can very low deductibles paired with rich coverage. None of these are permanent. Shopping three or four quotes, raising your deductible, and claiming every discount can often bring a $300 Buick premium back toward the brand’s normal range. If it does not, an agent can help you find which factor is the anchor.
Buick reliability and how it affects your insurance
Reliability and insurance are connected, because a car that is cheap and easy to repair is cheap to insure. Buick does well here, which helps its rates.
Buick regularly ranks among the more reliable mainstream brands in owner surveys. Its repair costs are moderate too. Both of those support low premiums. Most Buicks last a long time with normal maintenance, often well past 150,000 miles. Like any brand, specific model years have had more complaints than others, so if you are buying used, it is worth checking reliability ratings for that exact year before you buy. But as a rule, Buick’s dependable, moderate-cost nature is part of why insuring one is affordable in the first place.
The honest read: what Buick owners should do
If you own or are buying a Buick, you are starting from a good place on insurance, since the brand is cheaper than average to cover. Focus your effort on the two things that matter most: picking the right model if you are still shopping, where an Encore or a used sedan is cheapest, and comparing at least three quotes for your exact car and ZIP code.
On GM Insurance, get a quote from it if you own a newer GM vehicle and live in a state where it operates, but compare it head-to-head with GEICO, State Farm, Progressive, and Travelers rather than assuming it wins. And read any telematics consent carefully after the OnStar data episode.
Buick is a quietly smart choice for anyone who wants near-luxury comfort without a luxury insurance bill. Pick your model, shop your quotes, stack your discounts, and you will likely pay less than the average driver.
Conclusion
Car insurance for Buicks is refreshingly affordable, running about $130 to $200 a month for full coverage, at or below the national average, thanks to strong safety, moderate repair costs, and a lower-risk buyer base. The Encore and older sedans are cheapest, while the newest Envista and larger SUVs cost a little more, and USAA, GEICO, State Farm, Progressive, and Travelers are frequently the cheapest insurers. Compare GM Insurance against standard carriers rather than assuming it is best, raise your deductible if you can, and shop at least three quotes for your exact model. Do that, and a Buick stays one of the better values on the road to insure.
FAQs
Are Buicks more expensive to insure?
No. Buicks are generally cheaper than average to insure, running about $130 to $200 a month for full coverage, at or below the national average. Strong safety ratings, moderate repair costs, and a lower-risk buyer base keep premiums down, even though Buick positions itself as a near-luxury brand.
How much does it cost to insure a Buick?
On average, roughly $130 to $200 a month for full coverage. Liability only runs about $80 a month, depending on the study, model, and your driver profile. The Buick Encore and older sedans are cheapest. The newest Envista and larger SUVs like the Enclave cost a bit more.
Which Buick is the cheapest to insure?
The Buick Encore and older discontinued sedans like the Lucerne, Verano, and LaCrosse are typically the cheapest to insure, thanks to modest values and low repair costs. Among current models, the Encore and Encore GX are usually the most affordable, while the newest Envista tends to cost the most.
Is Buick a cheap car brand to insure?
Yes, relative to most brands. Despite marketing itself as near-luxury, Buick is one of the more affordable brands to insure, sitting at or below the national average. It shares parts with mainstream Chevrolet and GMC models, keeping repair costs moderate, and its safety and buyer profile push premiums lower.
Is $300 a month a lot for car insurance on a Buick?
Yes. Since Buicks average $130 to $200 a month for full coverage, $300 is on the high side. It usually points to a young driver, a recent accident or ticket, a low insurance credit score, or a high-cost area. Shopping quotes and raising your deductible can often bring it down.
What is GM Insurance, and is it any good?
GM Insurance is General Motors’ own usage-based insurer, sold through GM Financial and formerly called OnStar Insurance. It offers GM-owner loyalty discounts, genuine-parts replacement, and EV charger coverage in a limited set of states. It can be competitive for safe drivers of newer GM vehicles. But it is not always cheapest, so compare it against standard carriers.
Does GM Insurance offer new car replacement?
GM Insurance and many standard carriers offer new-vehicle replacement, which replaces a totaled newer car with a comparable new one rather than paying its depreciated value, usually within the first year or a set mileage. Terms vary by insurer and state, so confirm the exact conditions before relying on it.
Is it better to have a $500 or $1,000 deductible?
It depends on your savings. A $1,000 deductible lowers your premium by roughly 10% to 15% compared with a $500 deductible. The trade-off is that you pay $500 more out of pocket when you file a claim. Choose $1,000 if you have that saved for emergencies. Choose $500 if a surprise bill would strain you.
Which car is the least expensive to insure?
Small, safe, moderately priced vehicles are cheapest to insure, including compact SUVs and older sedans. Within the Buick lineup, the Encore and discontinued sedans are the least expensive. Across all brands, models with strong safety ratings, low theft rates, and cheap repairs consistently earn the lowest premiums.
How long do Buicks usually last?
Most Buicks last a long time with routine maintenance, commonly well past 150,000 miles and often 200,000 or more. Buick regularly ranks among the more reliable mainstream brands in owner surveys, which also helps keep insurance costs moderate, since dependable, easy-to-repair cars are cheaper to cover.
Is Buick a reliable car to buy?
Generally, yes. Buick consistently scores well in reliability surveys among mainstream and near-luxury brands, with moderate repair costs. As with any brand, some model years have more reported issues than others, so check reliability ratings for the specific year if you are buying used. Its dependability is part of why insuring one is affordable.
What year Buick should you stay away from?
Reliability varies by model and year, so rather than avoiding a blanket year, check owner-reported problem data for the specific model and year you are considering. Some older Enclave and Encore model years drew more complaints about certain components. A quick reliability check before buying used helps you avoid a higher-maintenance example.
Which is better, Ford or Buick?
Neither is universally better; they suit different buyers. Buick leans toward quiet, comfortable near-luxury interiors and strong reliability scores, while Ford offers a broader lineup including trucks and performance models. For insurance, both are mainstream American brands with generally reasonable rates, so compare the specific models you are considering.
What is the most common problem with Buicks?
Common issues vary by model, but reported ones on some Buick model years include minor electrical or infotainment glitches and, on certain older SUVs, transmission or timing-related complaints. Most are not widespread, and Buick remains reliable overall. Checking a specific model year’s owner-reported issues before buying used is the best safeguard.
What are the cheapest insurance companies for Buicks?
USAA is often cheapest for military families, while GEICO, State Farm, Progressive, American Family, and Travelers frequently post the lowest Buick rates for the general public. Auto-Owners and Erie rate well regionally. Because the cheapest option depends on your model, record, and ZIP code, compare at least three quotes.
About the author
Md Shahinuzzaman is an insurance and out-of-pocket healthcare cost specialist with 16 years of experience in banking and insurance. He writes practical, plain-spoken guides for InsuranceGuidances.com to help drivers and families understand their coverage and costs before they buy. He takes no payment from the companies he covers, and every figure in this article traces to a named source.
Reviewed: 2026 ·
Sources
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Insurance.com, Buick car insurance: cost by model: https://www.insurance.com/vehicles/buick-car-insurance
The Zebra, Buick Insurance: Compare Rates & Get Quotes: https://www.thezebra.com/auto-insurance/vehicles/buick/
Insuranceopedia, How Much Does Buick Car Insurance Cost: https://www.insuranceopedia.com/auto-insurance/buick-car-insurance
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