How much would car insurance cost for an Buick Rainier?

The average Buick Rainier car insurance rates are $122/mo. Car insurance rates for the Buick Rainier may be higher than expected because older vehicles can be more expensive to repair.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 22, 2020

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Here's what you need to know...

  • The Ranier was only made for a few years
  • Personal factors about the driver are factored into car insurance premiums
  • The Ranier and other SUVs have a higher risk of rollover compared to sedans

The average cost to insure a Buick Rainier is $1,467. This figure is slightly lower than the United States national average for all models, which is $1,566.

Keep in mind that this figure is only an average; individual car insurance companies may charge more or less for coverage.

To get immediate car insurance quotes, enter your ZIP code above today!

The cost of insurance for a Buick Rainier is determined by a number of factors. An insurer will consider the type of vehicle, as well as the driver’s personal profile before making a decision about whether to offer to extend coverage.

Other elements that are considered include how the vehicle behaves in an accident and how much repairs cost.

A person who is interested in buying a Buick Rainier should consider insurance costs when determining whether to go ahead with the sale. Purchase or leasing costs are only part of the equation when it comes to determining the cost to own a vehicle.

To get the best rates for your coverage, be prepared to shop around and compare rates from a number of providers before buying a policy.

What do I need to know about buying a Buick Rainier and the cost of car insurance?

The Buick Rainier is a mid-sized SUV. It was introduced to the buying public in 2004. It wasn’t offered for long; production of the Rainier stopped with the 2007 model year to make room for the Enclave.

Customers who choose the Buick Rainier are likely more interested in owning a vehicle with a large cargo and towing capacity (80 cubic feet and 6,700 lb., respectively) than finding a fuel-efficient one.

It was a heavy, rear-wheel drive vehicle that was able to navigate over ruts in the road easily. Known as a gas-guzzler, the Rainier got 14 miles per gallon in the city and 20 miles per gallon on the highway.

If you are planning to buy an SUV, such as a Buick Rainier, be prepared to dig deeper into your pocket to cover your insurance costs. As a rule, this type of vehicle will cost 10–20 percent more to insure than a car.

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What factors make SUVs like the Buick Rainier so expensive to insure?

Why are SUVs more expensive to cover? These are large vehicles with the potential to cause a lot of damage to a standard car if an accident occurs.

The car insurance company considers the amount it may need to pay out in damages if a covered SUV is involved in a collision. Based on the probability of higher payouts, the company will charge higher premiums to customers who choose to drive one.

Another factor that car insurance companies look at when a customer asks for a quote on SUV coverage is how the SUV itself behaves in an accident.

Drivers may want to choose one because they feel safer in a larger vehicle, but a model like the Buick Rainier is more likely to flip over when the driver is attempting to navigate a turn at a high rate of speed or when a collision occurs.

The vehicle’s high center of gravity makes it much easier to flip and this type of occurrence means higher repair costs, which in turn mean higher premiums.

What other factors impact the cost of car insurance for the Buick Rainier?

When an insurance company receives a request for a quote, it looks at the driver’s profile as well as the vehicle to be covered. Here are some attributes insurance companies pay attention to:

  • A high-risk driver who has a history of being involved in one or more at-fault accidents is going to be charged a higher rate for his or her coverage than someone with a clean record.
  • Age and gender are also factored in when determining how much to charge for coverage.
  • Young drivers pay more for their coverage than people who have several years of experience behind the wheel.
  • Older adults who are either retired or semi-retired can qualify for some of the lowest car insurance prices of all due to their maturity and lower than average annual mileage.
  • Choosing to drive a vehicle that is more likely to be targeted by thieves also means higher car insurance costs.

Unfortunately for current and prospective SUV owners, this type of vehicle is often stolen, which costs insurance companies millions of dollars annually. They pass on these costs to customers, who end up paying higher premiums.

The best way to find the lowest rates for a Buick Rainier or any other model is to shop around and get quotes from several providers before making a buying decision.

Enter your ZIP code below to get free car insurance quotes today!

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