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Buick auto insurance: what you need to know.

In the market for a new car? The Buick brand is a division of General Motors, and has been a staple of the North American car market for more than 100 years. It has the luxury amenities seen in many European imports, but with a less hefty price tag. This is good news for insuring your new or used Buick. If you’re considering purchasing a Buick, the vehicle’s age, make and model, and features along with your age, personal driving history and claims history all affect the rates insurance companies will offer.

LowestRates.ca can help you quickly and easily compare Buick car insurance quotes from 75+ Canadian insurance providers. Whether you're shopping for a brand new insurance policy or your current one is up for renewal, LowestRates.ca can show you how much you can save on Buick vehicle insurance rates in Canada in just three minutes.

Below, we’ll shed some light on the various factors that influence Buick insurance rates. Keep reading to learn more about what goes into calculating Buick car insurance rates.

How much is insurance for a Buick?

So, how much is insurance for a Buick? The factors that determine your car insurance rate are highly variable. Make, model and the age of your car play a big role in determining how much you’ll pay to insure your Buick in Canada.

The Atlantic provinces, Ontario, Quebec, and Alberta, along with the territories, all have private insurance providers. Drivers in British Columbia, Saskatchewan and Manitoba have insurance provided through the provincial government. Your province, city of residence, driving, and insurance history will all affect your Buick insurance costs.

Insurance companies have a vested interest in knowing how much it will cost to repair damage to your vehicle, or replace the car entirely. A particular model’s safety rankings also affects insurance companies’ risk modelling. Because there are so many factors at play, applying for a personalized quote rather than looking at “average” Buick insurance costs will not only save you time, but also help you determine a more specific budget for your car purchase.

We’ve included some Buick insurance quotes from real LowestRates.ca users below.

Estimated Premium

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from June 12, 2021
Customer
Female, 26 years old
Location
alberta
Vehicle
2014 BUICK TRUCK/VAN ENCORE 4DR AWD
Lowest Rate
$2,423/yr
Average Rate
$3,659/yr
Saved
34.00%
Quote from June 11, 2021
Customer
Male, 40 years old
Location
ontario
Vehicle
2018 BUICK TRUCK/VAN ENCORE 4DR AWD
Lowest Rate
$710/yr
Average Rate
$1,033/yr
Saved
31.00%

Your questions about Buick auto insurance rates, answered.

What is the cheapest Buick to insure?

The price of car insurance for a Buick will vary depending on the exact model, but it will also depend on your personal driving and insurance history, plus the level of coverage you choose. In other words, you can’t figure out the cheapest Buick to insure without taking into account a number of factors.

The Insurance Bureau of Canada (IBC) developed a rating system known as Canadian Loss Experience Automobile Rating (CLEAR), which uses past data to assign vehicles a numerical rating based on the likelihood that model will be involved in a future insurance claim. A vehicle’s CLEAR is one factor used by insurance companies to determine how risky it is to insure that type of vehicle. Generally speaking, lower end Buick models without custom trim lines are the least expensive to insure.

The Insurance Bureau of Canada (IBC) doesn’t publish CLEAR data online, but it does collect data from insurance companies on collisions and other claims to publish its annual How Cars Measure Up report. In the 2020 report (which uses data from 2001 to 2019), most Buick models have average or below average number of collision claims, comprehensive claims and direct compensation property damage claims. With fewer insurance claims, Buicks could potentially be less expensive to insure compared to other vehicles.

Used vs. new Buick: which is cheaper to insure?

There are many factors that come into play when determining how much you’ll pay for your Buick car insurance premiums. For example, a brand new Buick with more bells and whistles will be more expensive to insure than a used Buick. Additionally, if you are leasing a new Buick, the dealer may require comprehensive and collision insurance coverage. If you’re purchasing a newer Buick, it’s also recommended to have comprehensive and collision insurance.

Used cars older than five years don’t generally require any extra insurance coverage. However, it should be noted that used cars have a higher chance of breaking down than new ones. Depending on how old your used Buick is, your insurance company might determine it to be at a higher risk than driving a new car.

LowestRates.ca can help you find the right used car insurance coverage for a Buick, or a policy for a new Buick.

What is the best car insurance for a Buick?

Trying to figure out the best car insurance rates for your new Buick? Looking to switch providers when your Buick insurance is up for renewal? What’s the best car insurance rate for a Buick? Car insurance does not take a one-size-fits-all approach, the best Buick insurance policy that you get will depend on the model of Buick you’re driving as well as your driving history. The Buick insurance broker or company you end up going with will also affect your rate. Insurance companies use different standards to underwrite claims, so prices can vary. This is why comparing Buick insurance quotes can be helpful in determining your budget for your vehicle.

Depending on your needs and how often you drive your car and where, you might want to review your Buick insurance coverage and add some of the following types of insurance coverage to your policy:

Collision insurance: This type of coverage provides compensation to put towards a new vehicle if yours is damaged in an accident.

Comprehensive insurance: Pays for losses or damage to your vehicle caused by things other than a collision i.e. vandalism, a fallen tree, storms, fires, etc.

All perils: Covers everything mentioned under collision and comprehensive, unless a specific peril is listed as an exclusion in your policy.

How are auto insurance quotes for Buicks calculated?

Finding a cheap Buick car insurance rate that works for you can be complicated. There are so many factors at play, but your personal driving history will be the first thing insurance providers will look at when calculating your premiums. Driving offences such as speeding tickets and collisions can certainly increase your Buick auto insurance rates.

Factors that you don’t have any control over like your location and age will have an impact on your premiums as well. Generally, Buick insurance rates for young drivers will be higher than those for older drivers.

The loss ratios of the insurance company you choose to insure your Buick with will also affect your insurance premium. A loss ratio is how much money your insurance provider has paid out in customer claims in a given year, this will have to be made up for with income from your premium.

The type of Buick you choose to drive will also impact your rate. The CLEAR vehicle rating system created by the IBC is used by insurance providers to determine which vehicles are involved in more accidents in a particular year. That data will influence how an insurance provider will choose to insure a particular type of vehicle. So while factors like your driving history, age, and location matter more, the type of Buick you choose to drive does have to be taken into account.

Is it safe to buy Buick insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.

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