About $951 a year for full coverage on a national average — 34% less than the $1,438 average car. Insurers rate the Buick Terraza at an index of 66 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. Medical payments — medical bills for you and passengers — carries this car's highest loss index at 73, while Comprehensive sits at 55. That gap is the real reason behind the price, and it's the part a quote form never shows you. Calculated from 3 insurance-loss records.
Why a Terraza 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 $951: Liability (BI + PD) $456 · Collision $266 · Comprehensive $114 · Other (UM / PIP) $114.
What a Terraza costs by state
Where you park matters as much as what you drive. The Terraza's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Terraza 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 | -30% 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 this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Buick Terraza
Buick Terraza insurance — frequently asked
How much is insurance for a Buick Terraza?
About $951 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 66 applied to the US average premium.
Why is the Terraza expensive or cheap to insure?
Its costliest area is Medical payments (index 73), which covers medical bills for you and passengers. Insurers set premiums from claim history like this, not from the sticker price.
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 Terraza can differ by hundreds between two drivers.