Buick Enclave Insurance Rates

The average Buick Enclave insurance costs drivers $1,472 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, if you searching for cheap Buick Enclave insurance rates and ever asked “How much does a 2012 Buick Enclave cost?” the answer is that it’s much more affordable than the cost of a 2017 Buick Enclave.

In order to cut through all of the hypothetical scenarios you can imagine, simply enter your ZIP code into our free tool to start comparing Buick Enclave insurance quotes from multiple companies now.

The average insurance rates for a Buick Enclave are $1,354 a year for full coverage. Comprehensive costs approximately $270, collision costs $474, and liability insurance is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing around $2,934. Teen drivers cost the most to insure at $5,144 a year or more.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows estimated Buick Enclave insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $782
• Raising to $1,000 deductibles will save $168 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,354
• Choosing pricier low deductibles will increase the cost to $1,682
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,934 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $5,144

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on your risk profile, the trim level of your Enclave, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $500 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Buick Enclave insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance consists of having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the concepts that were covered in the above illustrations.

• High-risk drivers that have major violations or accidents may pay on average $1,580 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, costing up to $429 each month for full coverage
• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date

Now that you have a better understanding of how Buick Enclave insurance cost are calculated, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Buick Enclave insurance rates from multiple companies.

What are the Buick Enclave safety ratings?

It’s important to consider the safety ratings of the Buick Enclave so you can have a better understanding of where you might be eligible for discounts on your policy.

The ratings below show the breakdown of the crash test ratings for the Buick Enclave with results reported from the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good 
• Head restraints and seats: Good

For a frame of reference, the “Good” rating administered by the IIHS is the highest rating possible, meaning that Buick Enclave insurance rates should be favorable.

Buick Enclave Compared Against Other Vehicles in the Same Class

Classified as a midsize SUV, the Buick Enclave has an above-average curb weight, which is another positive contributing factor to its overall safety rating.

Take a look at the following midsize SUVs to see how their average insurance rates compare to the Chevrolet Trax.

• Dodge Journey
• GMC Acadia
• Mazda CX-9

Now that we have gone into great detail about how insurance rates are calculated, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Buick Enclave insurance quotes from multiple providers today.