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.

Average insurance prices for a Buick Enclave are $1,394 every 12 months for full coverage insurance. Comprehensive insurance costs on average $282 a year, collision costs $512, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $3,022 or more. Teenage drivers receive the highest rates at $5,264 a year or more.

Average premium for full coverage: $1,394

Rate estimates by individual coverage type:

Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Buick Enclave insurance rates for different risk profiles and scenarios.

• The best discount rate is $802
• Drivers who choose higher $1,000 deductibles will pay around $1,212 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,394
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $348 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,022 or more
• The cost to insure a teenage driver may cost $5,264 a year

View Chart as Image

Auto insurance rates for a Buick Enclave can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Enclave.

Using high physical damage deductibles could save up to $530 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Buick Enclave insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,880 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.

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 Shop for Cheaper Buick Enclave Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the coverage data raised in the charts and tables above.

• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing deductibles could save as much as $525 each year
• Teenage drivers are charged the highest rates, costing up to $439 per month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents pay on average $1,630 more each year for auto insurance

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.