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 auto insurance rates for a Buick Enclave are $1,354 annually including full coverage. Comprehensive costs around $270, collision costs $474, and liability coverage is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance 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 for type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Buick Enclave insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $782
• Choosing higher $1,000 deductibles can save about $168 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,354
• Choosing pricier low deductibles for comp and collision coverage will cost $1,682
• Drivers with multiple violations and an at-fault accident could pay at least $2,934 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $5,144 each year

View Chart as Image

Auto insurance rates for a Buick Enclave also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Buick Enclave insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $500 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Buick Enclave insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy Affordable Buick Enclave Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the concepts that were presented in the illustrations above.

• Drivers with DUI or reckless driving convictions may pay on average $1,580 more every year to insure a Buick Enclave
• Drivers under the age of 20 are expensive to insure, with premiums being up to $429 each month if full coverage is included
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $500 each year
• You may be able to save up to $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.