Buick Insurance Cost
Across 4 current Buick models, full coverage averages about $1,464 a year by our estimate — −8% versus the average vehicle ($1,590).
Buick insurance profile
Buick’s lineup is made up mostly of 2 midsize suvs and 2 small suvs. HLDI collision losses for its models average 86 (100 = all-vehicle average).
Every Buick model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Envision | Midsize SUV | 2016–2026 | 84 | $1,380 | −13% |
| Envista | Small SUV | 2024–2026 | 76 | $1,455 | −8% |
| Encore GX | Small SUV | 2020–2026 | 85 | $1,490 | −6% |
| Enclave | Midsize SUV | 2008–2027 | 97 | $1,530 | −4% |
Older and discontinued Buick models
What makes Buick insurance cost more or less
- Claims history: HLDI collision indices across 4 models range from 76 to 97, so the model you pick matters as much as the brand.
- Segment mix: 2 midsize suv, 2 small suv.
Average Buick insurance cost by state
Average full-coverage estimate across current Buick models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| North Dakota | $918 | −37% |
| Maine | $936 | −36% |
| Vermont | $944 | −36% |
| Iowa | $979 | −33% |
| Wisconsin | $999 | −32% |
| Idaho | $1,003 | −31% |
| Hawaii | $1,019 | −30% |
| Indiana | $1,046 | −29% |
| New Hampshire | $1,050 | −28% |
| Ohio | $1,051 | −28% |
| South Dakota | $1,085 | −26% |
| North Carolina | $1,088 | −26% |
| Wyoming | $1,110 | −24% |
| Montana | $1,153 | −21% |
| Kansas | $1,158 | −21% |
| Nebraska | $1,159 | −21% |
| West Virginia | $1,215 | −17% |
| Minnesota | $1,218 | −17% |
| Tennessee | $1,219 | −17% |
| Kentucky | $1,248 | −15% |
| Virginia | $1,274 | −13% |
| Alabama | $1,278 | −13% |
| Illinois | $1,279 | −13% |
| Pennsylvania | $1,279 | −13% |
| Arkansas | $1,283 | −12% |
| Alaska | $1,296 | −11% |
| Washington | $1,306 | −11% |
| Oklahoma | $1,311 | −10% |
| New Mexico | $1,321 | −10% |
| Missouri | $1,331 | −9% |
| Oregon | $1,349 | −8% |
| Utah | $1,361 | −7% |
| Mississippi | $1,400 | −4% |
| California | $1,449 | −1% |
| Massachusetts | $1,459 | 0% |
| Arizona | $1,555 | +6% |
| Connecticut | $1,593 | +9% |
| South Carolina | $1,600 | +9% |
| Michigan | $1,610 | +10% |
| Colorado | $1,663 | +14% |
| Maryland | $1,675 | +14% |
| Delaware | $1,681 | +15% |
| Texas | $1,735 | +19% |
| Nevada | $1,743 | +19% |
| Rhode Island | $1,813 | +24% |
| New Jersey | $1,818 | +24% |
| Georgia | $1,861 | +27% |
| District of Columbia | $1,865 | +27% |
| New York | $2,014 | +38% |
| Louisiana | $2,056 | +40% |
| Florida | $2,164 | +48% |
Frequently asked questions
How much does it cost to insure a Buick?
Across 4 current Buick models, our full-coverage estimate averages $1,464 a year for a driver in their 30s with a clean record, 8% less than the average vehicle ($1,590).
What is the cheapest Buick to insure?
The Buick Envision has the lowest estimate at about $1,380 a year for full coverage; the Buick Enclave is the most expensive at about $1,530.
Are Buick repairs expensive for insurers?
HLDI collision-loss data for 4 Buick models averages 86 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Buick?
By our estimates, North Dakota is the cheapest state (about $918 a year on average across current models) and Florida the most expensive (about $2,164).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.