10 Best Car Insurance Companies for Buicks in 2024 (Check Out These Providers)

State Farm, Geico, and Progressive are the top picks among the 10 best car insurance companies for Buicks. This article explores why these providers excel, highlighting their competitive pricing, extensive coverage options, and discounts tailored for Buick owners.

Additionally, it examines how factors like driving record and car model influence insurance rates. Discover the best ways to secure affordable and comprehensive insurance for your Buick.

Read on to learn about Buick car insurance coverages, average rates, how to pick the best car insurance company for Buicks, and much more.

Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies for Buicks, making it a cost-effective choice. Discover more about offerings in our article called “State Farm Insurance Review & Complaints: Car Insurance.”
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage Buick usage, appealing to owners who drive less frequently.
• Strong Customer Service: Known for excellent customer service, State Farm ensures Buick owners have a positive and supportive experience.

Cons

• Limited Multi-Policy Discount: The multi-policy discount for Buicks with State Farm is lower compared to some competitors, which might not appeal to all owners.
• Premium Costs: Despite available discounts, State Farm’s premiums might still be relatively higher for certain Buick coverage levels.

#2 – Geico: Best for Competitive Rates

Pros

• Affordable Rates: Geico offers some of the most competitive rates for insuring Buicks, making it an attractive option for budget-conscious owners. Discover more about offerings in our “Geico Insurance Review & Complaints.”
• High Multi-Policy Discount: Geico provides up to a 25% discount when bundling Buick insurance with other policies, significantly reducing overall costs.
• Efficient Claims Process: Known for its efficient claims process, Geico makes it easier for Buick owners to get quick and fair resolutions.

Cons

• Limited Customization: Geico’s policy options for Buicks might lack the customization some drivers seek, limiting their ability to tailor coverage.
• Fewer Local Agents: Geico has fewer local agents compared to some competitors, which may be a drawback for Buick owners who prefer face-to-face interactions.

#3 – Progressive: Best for Comprehensive Coverage

Pros

• Extensive Coverage Options: Progressive offers a wide range of coverage options specifically tailored for Buicks, ensuring comprehensive protection. Access comprehensive insights into our article called “Progressive Insurance Review & Complaints.”
• Snapshot Program: The usage-based Snapshot program by Progressive can lead to significant savings for safe Buick drivers, promoting responsible driving.
• Discounts for Continuous Coverage: Progressive offers discounts to Buick owners who maintain continuous insurance coverage, encouraging long-term loyalty.

Cons

• Higher Premiums for High-Risk Drivers: Buick owners with less-than-perfect driving records might face higher premiums with Progressive, which could be a deterrent.
• Complex Discounts: Progressive’s discount structure for Buicks can be complex and hard to navigate, potentially confusing for some policyholders.

#4 – Allstate: Best for Financial Stability

Pros

• Strong Financial Stability: Allstate’s A+ rating ensures reliability for Buick owners, providing confidence in the company’s ability to pay claims. Check out insurance savings in our complete guide titled “Allstate Auto Insurance Review & Complaints: Auto Insurance.”
• High Multi-Policy Discount: Allstate offers up to a 25% discount for bundling Buick insurance with other policies, significantly reducing total costs.
• Comprehensive Coverage Options: Allstate provides a variety of coverage options tailored for different Buick models, ensuring thorough protection.

Cons

• Higher Premiums: Allstate’s premiums for Buicks can be higher compared to other insurers, which might not be ideal for budget-conscious owners.
• Mixed Customer Service Reviews: Some Buick owners have reported mixed experiences with Allstate’s customer service, affecting overall satisfaction.

#5 – USAA: Best for Military Service

Pros

• Exclusive Rates for Military: USAA offers exclusive rates for Buicks to military members and their families, providing unique benefits. Delve into our evaluation of “USAA Insurance Review & Complaints.”
• Customer Satisfaction: USAA receives high customer satisfaction ratings from Buick-owning members, reflecting a positive experience.
• Comprehensive Coverage: USAA offers a wide range of coverage options suitable for various Buick models, ensuring thorough protection.

Cons

• Membership Restrictions: USAA is only available to military members, veterans, and their families, limiting access for some Buick owners.
• Limited Local Presence: USAA has fewer physical locations compared to other insurers, which might be a disadvantage for Buick owners preferring in-person service.

#6 – Nationwide: Best for Policy Options

Pros

• Extensive Policy Options: Nationwide offers a variety of policy options tailored for Buicks, allowing owners to customize their coverage. Access comprehensive insights into our article called “Nationwide Insurance Review & Complaints: Auto, Home, Health & Pet Insurance.”
• Strong Multi-Policy Discount: Nationwide provides up to a 20% discount for bundling Buick insurance with other policies, reducing overall costs.
• Accident Forgiveness: Nationwide offers accident forgiveness to help Buick owners maintain lower rates even after an incident.

Cons

• Higher Premiums for Young Drivers: Buick owners who are young drivers might face higher premiums with Nationwide, which could be a drawback.
• Mixed Customer Reviews: Some Buick owners have reported mixed experiences with Nationwide’s customer service, affecting overall satisfaction.

#7 – Farmers: Best for Policy Customization

Pros

• Highly Customizable Policies: Farmers offers customizable insurance policies tailored specifically for Buicks, meeting diverse needs. Unlock details in our guide titled “Farmers Insurance Review & Complaints: Home, Business & Auto Insurance.”
• A Rating: Farmers’ solid financial stability provides reassurance for Buick owners, ensuring claims are covered.
• Extensive Coverage Options: Farmers offers a wide range of coverage options suitable for various Buick models, ensuring comprehensive protection.

Cons

• Higher Premiums: Farmers’ premiums for Buicks can be higher compared to some competitors, which might deter some owners.
• Limited Availability of Discounts: There are fewer discount opportunities specifically for Buick owners with Farmers, limiting potential savings.

#8 – Liberty Mutual: Best for Coverage Options

Pros

• Diverse Coverage Options: Liberty Mutual offers various coverage options tailored for Buicks, ensuring comprehensive protection.
• Better Car Replacement: Liberty Mutual’s better car replacement program is beneficial for Buick owners, providing added value. Unlock details in our article called “Liberty Mutual Insurance Review & Complaints.”
• Efficient Claims Process: Liberty Mutual is known for an efficient claims process, making it easier for Buick owners to get quick resolutions.

Cons

• Higher Premiums: Liberty Mutual’s premiums for Buicks can be higher compared to other insurers, potentially deterring budget-conscious owners.
• Limited Discounts: There are fewer discount opportunities specifically for Buick owners with Liberty Mutual, limiting potential savings.

#9 – Travelers: Best for Good Pricing

Pros

• Competitive Pricing: Travelers offers competitive pricing for insuring Buicks, making it an attractive option for budget-conscious owners. Discover insights in our article called  “Travelers Insurance Review & Complaints: Home, Auto & Boat Insurance.”
• Extensive Coverage Options: Travelers offers a wide range of coverage options suitable for various Buick models, ensuring comprehensive protection.
• Efficient Claims Process: Travelers is known for an efficient claims process, benefiting Buick owners by providing quick and fair resolutions.

Cons

• Limited Customization: Travelers’ policy options for Buicks might lack the customization some drivers seek, limiting their ability to tailor coverage.
• Higher Premiums for High-Risk Drivers: Buick owners with less-than-perfect driving records might face higher premiums with Travelers.

#10 – American Family: Best for Customer Satisfaction

Pros

• High Customer Satisfaction: American Family is known for high customer satisfaction among Buick owners, reflecting a positive experience. Delve into our evaluation of “American Family Insurance Review & Complaints: Auto, Home & Life Insurance.”
• Strong Multi-Policy Discount: American Family offers up to a 29% discount for bundling Buick insurance with other policies, significantly reducing costs.
• Discounts for Safe Drivers: Significant discounts are available for Buick owners with safe driving records, promoting responsible driving behavior.

Cons

• Limited Availability: American Family’s coverage for Buicks may not be available in all states, limiting access for some owners.
• Limited Online Tools: American Family’s online tools and services might not be as robust as those offered by competitors, potentially impacting convenience.

Monthly Insurance Rates for Buicks: Minimum vs. Full Coverage

When selecting insurance for your Buick, understanding the monthly rates for different coverage levels can help you make an informed choice. The table below provides a comparison of minimum and full coverage rates from various providers.

The monthly insurance rates for Buicks vary significantly among different providers. USAA offers the lowest rates, with minimum coverage at $35 and full coverage at $110, making it a cost-effective choice.

Geico follows with competitive rates of $40 for minimum coverage and $115 for full coverage. In contrast, Liberty Mutual has the highest rates, charging $55 for minimum coverage and $145 for full coverage. See more details on our article called “Full Coverage Car Insurance.”

The other providers fall between these ranges, with State Farm and American Family offering moderate rates of $45 for minimum and $120 for full coverage. Each provider’s pricing reflects their coverage options, discounts, and overall service quality.

Understanding Buick Car Insurance Coverage Options

While cutting back on unnecessary car insurance coverages will reduce your Buick insurance cost, there are some types of car insurance coverage that you must carry to drive legally in your state or to meet your lender’s requirements.

You will have to check what coverages your state requires, but generally, it is liability insurance, at the very least. Your state may also require uninsured/underinsured motorist insurance, personal injury protection, or medical payments. We’ve briefly explained what each of these coverages does below.

• Liability Insurance: Pays for others’ accident bills if you are responsible for a crash that injures other people or damages their property.
• Medical Payments Insurance: Medical payments car insurance companies help pay off medical bills if you or your passengers are hurt in a car accident.
• Personal Injury Protection Insurance: Personal injury protection car insurance companies help pay medical bills, lost wages, and more if you or your passengers are hurt in a car accident.
• Underinsured Motorist Insurance: Uninsured motorist coverage car insurance companies help pay for repairs if a driver with poor insurance coverage hits you.
• Uninsured Motorist Insurance: Helps pay for repairs if a driver without insurance hits you.

Besides the coverages required by your state, you will have to carry the full coverage car insurance policy required by your lender. Usually, this is collision and comprehensive insurance, as they pay for repairs if you crash your Buick or it is damaged by weather and other factors outside of your control.

If you own a Buick Cascada, you will have slightly higher car insurance rates than owners of other Buick models. Buick Verano insurance and Buick LaCrosse insurance rates are the most affordable.

Your rates will also depend on your driving record and age, as the average rates display below.

Your age and driving record will have more of an impact on your Buick car insurance rates than what model you own. This is because age and driving record are related to how risky of a driver you are to insure, whereas model simply relates to if repairs will cost slightly more.

Picking the Best Car Insurance Company for a Buick

When looking for a car insurance company for your Buick, it is important to consider the following aspects in addition to what rates are offered:

• Coverages Offered. Check to make sure that the company has all the coverage available that you want for your Buick.
• Customer Service. Check customer service ratings to see how happy customers are with the company, such as how claims are handled.
• Financial Standing. Check financial ratings to make sure that a company is in good financial standing and can pay out claims without financial distress.

Looking at these factors will ensure you pick a reputable company that offers great service in addition to great rates on Buick car insurance. More information is available about this provider in our article called “Anonymous Car Insurance Quotes.”

Saving on Buick Car Insurance Policies

Shopping around for car insurance quotes is one of the best ways to save on your Buick car insurance, but there are also a few additional things you can do to reduce your rates. Take a look at them below.

• Maintain a good driving record. Your Buick car insurance rates will be lower if you have a driving record without at-fault accidents, traffic tickets, or DUIs.
• Raise your insurance deductible on one or more coverages. Just don’t raise your car insurance deductible too high — remember, you are paying the deductible out of pocket after an accident.
• Take advantage of insurance discounts on your policy. See if there are any car insurance discounts available at your car insurance company that you can apply for.

Most drivers will be able to reduce their car insurance rates, even if just by a little bit, by applying the above tips.

The Final Word on Buick Car Insurance Companies

The majority of Buicks have average car insurance rates, though rates for car insurance for Buicks are affected by factors other than what Buick model you own. High-risk drivers pay more for Buick car insurance, although they can work on lowering their rates through discounts and shopping for quotes.

Use our free quote comparison tool to find the best car insurance rates for your Buick in your area. It compares rates from car insurance companies to help you find the best rate for your Buick. Read up on the “Types of Car Insurance Coverage: An Expert Guide” for more information.

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.