About $1,183 a year for full coverage on a national average — 18% less than the $1,438 average car. Insurers rate the Buick Rainier at an index of 82 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2005-2007).
The premium isn't spread evenly across the Buick Rainier: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 98, while Medical payments sits at 55. Those 43 points are the real reason behind the price, and they are the part a quote form never shows you. Calculated from 4 insurance-loss records.
Why a Rainier costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,183: Liability (BI + PD) $568 · Collision $331 · Comprehensive $142 · Other (UM / PIP) $142.
What a Rainier costs by state
Where you park matters as much as what you drive. The Rainier's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Rainier est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -31% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Buick Rainier's loss index of 82 — your own quote also depends on age, record, deductible and ZIP.
Buick Rainier insurance — frequently asked
How much is insurance for a Buick Rainier?
About $1,183 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 82 applied to the US average premium.
Why is the Rainier expensive or cheap to insure?
For the Buick Rainier the costliest area is Comprehensive at an index of 98, covering theft, weather, vandalism, animals — against 55 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Buick Rainier lands at 82, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Rainier can differ by hundreds between two drivers.
How we work this out
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