Buick Park Avenue Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Buick Park Avenue costs less than most other cars to insure.
• Liability car insurance for a Park Avenue comes in at around $70 a month, while full coverage generally runs about $122.
• At sometimes as little as $27 monthly for liability only coverage, Ohio Mutual is the lowest auto insurance carrier for a Park Avenue.

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Park Avenue Overview

The Buick Park Avenue is a great mid-level option for any driver, with 2005 models coming in with a base MSRP of $35,555. Drive off the dealership lot in style, with two different trim options available.

We combed through thousands of insurance quotes on Compare.com, and we've determined that, on average, Buick Park Avenue auto insurance premiums run around $89 a month. Compared to other vehicles in the market, how do Park Avenue insurance prices stack up?

How Much is Car Insurance for a Buick Park Avenue?

If you look at the table above, you'll find that compared to other vehicles, Buick Park Avenue insurance rates are cheaper than average. Park Avenue drivers normally pay about $122 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $70 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When compared to other models, the Park Avenue is cheaper, with premiums around 16% lower than the other vehicle types offered by Buick. Compared to offerings from other brands, car insurance for a Park Avenue is also more affordable, with full coverage insurance prices coming in about $55 less and $13 less for liability only insurance.

Overall, they're just more affordable to insure than the average vehicle, regardless of make, body style, or model.

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Who has the Cheapest Car Insurance for a Buick Park Avenue?

Searching for a car insurance policy for your Buick Park Avenue? You may want to know which company offers the lowest premiums. Even though rates can fluctuate pretty dramatically depending on your driver profile, the cheapest average rates for liability only insurance are as low as just $27 a month from Ohio Mutual and ACG.

Finishing off the rest of the top 5 are Oasis, Safeway, and Encompass. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Park Avenue.

Auto insurance carriers take a wide array of factors into consideration when calculating monthly premiums. By getting quotes from several auto insurance companies at once, you can be sure you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Buick Park Avenue?

There are a whole range of variables that insurance carriers consider to calculate how much to charge you for car insurance -- and every carrier weighs different attributes more heavily than others, so there's not a single company that's the cheapest for each driver.

Keep reading to learn which things auto insurance companies look at and how they affect your final rate:

Vehicle Age

Buick has been making the Park Avenue for quite some time -- and that means the car's age may play a role in how much you'll pay for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Park Avenues continue to depreciate, insurance costs will gradually go lower.

A new Buick Park Avenue model hasn't been added to the market for over 5 years, so the Park Avenue won't really fit this trend. However, as you can see in the table above, the most expensive Buick Park Avenues to insure are those that are 15 years old or more, while the cheapest models are Park Avenues that are 8 to 10 years old, on average.

Your Age

How old you are plays a significant role in how much insurance carriers will charge for car insurance. Based on the information above, those who have more experience pay less compared to the youngest Park Avenue drivers. Buick Park Avenue drivers under 18 actually pay $68 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for Park Avenue drivers being 55-64.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to charge women less than men. The Buick Park Avenue follows this convention, and women pay around 15% less than men monthly for insurance.

Where You Live

It may be obvious that variables like how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live can be equally important? Car insurance is regulated on the state level and not nationally, so premiums vary quite a bit from state to state.

For example, the average Buick Park Avenue owner from New York pays about $205 per month for liability coverage, while on average, the same driver from California will pay only 25% of that price. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

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Buick Park Avenue Car Insurance Discounts

No matter which vehicle you drive, how old you are, or what state you call home, it's always in your best interest to take advantage of as many insurance discounts as possible.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than by monthly payments
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Multi-vehicle discounts for having several cars on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

While discounts are always a good way to save money on your auto insurance, sometimes the best way to save is just by having a profile that looks good to car insurance companies.

You obviously can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the factors you can use in your favor when it comes to saving some cash:

Your Driving Record

You've probably observed ads from auto insurance carriers promoting hefty savings for safe drivers. And you probably wouldn't be surprised that if you get a ticket for speeding or get into an accident, car insurance rates will get higher. But you still might be left wondering exactly how much these infractions will cost you.

You can see from the table above that accidents will usually cost Park Avenue drivers more than tickets, but both will cause a significant increase in rates. Buick Park Avenue drivers with one ticket will pay about $80 a month, while drivers with a single accident on their record pay an average of $83 per month (up $13 from the $70/mo. overall average). The rates only go up the more tickets you get or collisions you have.

How Much You Drive

The total distance you drive plays a big role when it comes to your insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll typically be offered more affordable rates. In the above table, you can see that Buick Park Avenue owners who drive fewer than 2,500 miles each year pay about $54 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $74.

If you drive a limited amount, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Buick Park Avenues Compare to Other Vehicles?

If you're considering buying a new vehicle and a Buick Park Avenue is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Buick Park Avenue stacks up:

Overall, the Buick Park Avenue has an MSRP that's on par with the going rate for a new vehicle. The Park Avenue has an MSRP of $35,555, close to the national average vehicle MSRP of $30,630. A used Park Avenue will be even lower, since there hasn't been a new model added to the market in the last few years.

Although the Park Avenue has a pretty average price, car insurance premiums run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Buick Park Avenue is around $71 a month cheaper than average, while liability only coverage is $4 cheaper monthly.

When it comes to usage, Buick Park Avenue drivers are near the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Park Avenue's 11,165 every year.

Buick Park Avenue Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much you might pay for auto insurance. But if you're thinking about buying a new vehicle and the Park Avenue is one you're considering, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.

Choose Your Model

2005 Buick Park Avenue Car Insurance 2004 Buick Park Avenue Car Insurance 2003 Buick Park Avenue Car Insurance 2002 Buick Park Avenue Car Insurance 2001 Buick Park Avenue Car Insurance 2000 Buick Park Avenue Car Insurance 1999 Buick Park Avenue Car Insurance 1998 Buick Park Avenue Car Insurance 1997 Buick Park Avenue Car Insurance 1996 Buick Park Avenue Car Insurance 1995 Buick Park Avenue Car Insurance 1994 Buick Park Avenue Car Insurance 1993 Buick Park Avenue Car Insurance

2005 Buick Park Avenue Car Insurance

You can expect full coverage for a 2005 Park Avenue to run about $98 per month, while liability only coverage will average around $77 monthly.

With premiums as cheap as $25 a month, Commonwealth Casualty offered the most affordable policy we found for the 2005 Buick Park Avenue.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2004 Buick Park Avenue Car Insurance

On average, drivers who own a 2004 Buick Park Avenue can expect to pay $70 to $106 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2004 Buick Park Avenue insurance policy, MetLife offered the lowest policy we found, with rates as low as $18 per month.

Want to find the most affordable rates? Get a variety of customized quotes for free by just entering your ZIP code below.

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2003 Buick Park Avenue Car Insurance

2003 Park Avenue drivers can expect to pay an average of $82 a month for liability or $142 for full coverage.

We found StateAuto offered the cheapest policy, with rates sometimes as cheap as $21 per month.

While these are good estimates of what the average driver might pay to insure a 2003 Buick Park Avenue, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2002 Buick Park Avenue Car Insurance

The average cost to insure a 2002 Buick Park Avenue with liability only coverage is $71 monthly, while full coverage runs about $113 a month.

Commonwealth Casualty offered the lowest policy we found, with rates as cheap as just $19 per month.

Want something more accurate than national averages? Enter your ZIP code below to get lots of customized quotes for free.

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2001 Buick Park Avenue Car Insurance

It costs around $68 monthly for liability or $117 for a full coverage policy for the 2001 Park Avenue.

With prices as little as just $17 a month, AssuranceAmerica offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2000 Buick Park Avenue Car Insurance

On average, drivers who own a 2000 Buick Park Avenue can expect to pay $71 to $154 monthly for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? MetroMile offered liability only coverage for as little as $22 per month.

While these are good estimates of what the average driver might pay to insure a 2000 Buick Park Avenue, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1999 Buick Park Avenue Car Insurance

The average cost to insure a 1999 Park Avenue with liability only coverage is $72 a month, while full coverage runs about $109 per month.

MetLife has prices sometimes as low as $22 a month for the 1999 Buick Park Avenue.

If you want to know exactly how much you can expect to pay for your Park Avenue, just enter your ZIP code below and get several free quotes in minutes.

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1998 Buick Park Avenue Car Insurance

You can expect full coverage for a 1998 Buick Park Avenue to run around $117 monthly, while liability only coverage will average about $77 a month.

If you're looking for the cheapest possible 1998 Buick Park Avenue insurance policy, Mapfre offered the lowest policy we found, with rates sometimes as cheap as $18 per month.

If you want to know exactly how much you can expect to pay for your Park Avenue, just enter your ZIP code below and get free quotes in minutes.

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1997 Buick Park Avenue Car Insurance

1997 Park Avenue drivers can expect to pay an average of $74 monthly for liability or $123 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for as low as just $18 per month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several personalized quotes for free.

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1996 Buick Park Avenue Car Insurance

It costs around $59 a month for liability or $100 for a full coverage policy for the 1996 Buick Park Avenue.

We found Safeco offered the most affordable policy, with rates as cheap as just $19 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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1995 Buick Park Avenue Car Insurance

The average cost to insure a 1995 Park Avenue with liability only coverage is $56 a month, while full coverage runs about $86 monthly.

Mercury has premiums as little as just $23 per month for the 1995 Buick Park Avenue.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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1994 Buick Park Avenue Car Insurance

It costs around $63 a month for liability or $126 for a full coverage policy for the 1994 Buick Park Avenue.

With rates as cheap as $17 monthly, Safeco offered the lowest policy we found for the 1994 Buick Park Avenue.

What could your auto insurance price look like? Enter your ZIP code below to get multiple free personalized quotes.

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1993 Buick Park Avenue Car Insurance

On average, drivers who own a 1993 Park Avenue can expect to pay $64 to $77 per month for liability only and full coverage car insurance, respectively.

Gainsco offered the most affordable policy we found, with rates sometimes as little as $22 a month.

If you want to know exactly how much you can expect to pay for your Park Avenue, get free quotes in minutes by just entering your ZIP code below.

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Buick Park Avenue Insurance FAQs

Is a Buick Park Avenue expensive to insure?

Liability insurance runs an average of $70 per month, while full coverage will cost you around $122. Compared to the national average of all vehicles, prices come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Buick Park Avenue?

There's only one way to ensure you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Buick Park Avenue affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually a myth. There are lots of factors insurance carriers use when they decide how much your policy will be, but your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy a Buick Park Avenue?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an car is to talk with your car insurance carrier ahead of time.

What car insurance discounts can I get for my Buick Park Avenue?

You will find a ton of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Buick Park Avenue and more on you, but if your Park Avenue has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to be certain is to contact your insurance company and ask about their list of discounts.