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When shopping for a new vehicle, most people focus on the sticker price, fuel efficiency or available features – but insurance cost is also an important factor when calculating the cost of ownership.

Car insurance rates for a 2023 Buick Envision vary based on the coverage level you choose. Costs differ because insurers weigh the amount of protection you’re buying, the risk they take on, and how much you’d pay out of pocket if you file a claim.

If you stick with your state’s minimum liability requirements, you can expect to pay around $621 per year, or $52 each month.

For full coverage-which generally includes liability, collision, and comprehensive protection-the average price is $2,243 per year ($187 per month). This estimate is based on coverage limits of 100/300/100 with $500 deductibles for collision and comprehensive.

2023 Buick Envision insurance premiums by state

Location is one of the biggest factors in your premium. ZIP codes matter as much as driving history. That’s why the cost to insure a Envision in California may look very different from the price in Florida.

Below, you’ll find the states where 2023 Buick Envision insurance is cheapest, and where it’s most expensive.

Cheapest states to insure a 2023 Buick Envision

Hawaii has the lowest average premium for 2023 Buick Envision drivers at $1,361 per year ($113 per month). Other states with affordable coverage include Idaho, Maine, New Hampshire, and Wisconsin.

The table below shows the cheapest states to insure a 2023 Buick Envision.

State nameAverage annual premium
Hawaii$1,361
Idaho$1,425
Maine$1,546
New Hampshire$1,573
Wisconsin$1,641
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Most expensive states to insure a 2023 Buick Envision

At the other end of the spectrum, Louisiana is the most expensive state for car insurance at $3,686 per year. Texas comes next at $3,132 annually, followed by Georgia at $3,082.

The table below shows which states have the most expensive 2023 Buick Envision insurance rates.

State nameAverage annual premium
Louisiana$3,686
Texas$3,132
Georgia$3,082
Michigan$2,969
Colorado$2,928
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Breaking down 2023 Buick Envision insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2023 Buick Envision compare across trim levels.

TrimAverage annual premium
Envision Avenir$2,306
Envision Essence$2,226
Envision Preferred$2,195
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Factors that influence 2023 Buick Envision insurance premiums

Premiums for a 2023 Buick Envision aren’t one-size-fits-all. They change based on the car itself, who’s driving it, and the policy you choose. Here are some of the main factors.

Vehicle-related factors

  • Vehicle value. Newer or higher-priced models are more expensive to insure.
  • Repair costs. Cars with above-average parts or repair expenses carry higher premiums.
  • Safety ratings. Good crash-test scores and advanced safety features can lower costs.
  • Theft risk. If a model is frequently stolen, insurers raise the price to cover the risk.

Driver-related factors

  • Age and gender. Younger, less experienced drivers usually pay more.
  • Location. Urban drivers see higher rates than those in rural areas.
  • Driving history. Clean records help lower premiums, while tickets and accidents raise them.
  • Annual mileage. The more miles you drive, the greater the risk – and the higher the cost.

Policy-related factors

  • Coverage level. Full coverage policies cost more but offer broader protection.
  • Deductible amount. Higher deductibles reduce premiums but mean higher out-of-pocket costs after a claim.
  • Optional add-ons. Things like roadside assistance, gap insurance, or rental reimbursement add convenience but also add to the bill.

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Cheapest insurance companies for insuring a 2023 Buick Envision

State Farm offers the cheapest car insurance rates for a 2023 Buick Envision, averaging $1,706 per year. Other insurers with competitive prices include Nationwide, GEICO, and Progressive. The table below shows the companies with the most affordable 2023 Buick Envision insurance rates.

Company groupAverage annual premium
State Farm$1,706
Nationwide$1,852
GEICO$1,989
Progressive$2,438
Farmers$2,650
Allstate$2,863
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How to lower 2023 Buick Envision insurance premiums

Here are some ways to bring down your car insurance costs.

  • Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
  • Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
  • Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
  • Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
  • Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
  • Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Envision insurance premiums by model year

Insurance rates for the Envision change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2023 Buick Envision by model year.

Model yearAverage annual premium
2016$1,872
2017$1,868
2018$1,983
2019$2,063
2020$2,119
2021$2,131
2022$2,199
2023$2,243
2024$2,338
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How expensive is it to insure a 2023 Buick Envision?

It costs an average of $2,243 per year to insure a 2023 Buick Envision, which is $359 less than the national average of $2,602.

Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for a 2023 Buick Envision.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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