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2011 Buick Enclave Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Sep 25, 2017

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Average insurance rates for a 2011 Buick Enclave are $1,192 a year for full coverage insurance. Comprehensive insurance costs an estimated $224 a year, collision insurance costs $346, and liability costs $464. Buying a liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,574 or more. Teenage drivers receive the highest rates at up to $4,634 a year.

Annual premium for full coverage: $1,192

Rate estimates for 2011 Buick Enclave Insurance

Comprehensive $224
Collision $346
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Buick Enclave models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $514 for only liability insurance to a high of $2,574 for a high risk driver.

Liability Only $514
Full Coverage $1,192
High Risk $2,574

View Chart as Image

2011 Buick Enclave insurance rates compared
Column chart showing 2011 Buick Enclave insurance prices range from $704 to $4,634 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2011 Buick Enclave Insurance

Searching Companies

Searching for cheaper auto insurance rates? Consumers have lots of choices when looking for low-cost Buick Enclave insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to compare rates. There are both good and bad ways to compare auto insurance rates so you’re going to learn the best way to quote coverages on a Buick and locate the lowest possible price either online or from local insurance agents.

Insurance Comparison Rates

There are multiple methods to shop for 2011 Buick Enclave insurance, and some are easier and takes less work. You could waste time driving to agents in your area, or you could save time and use the web to quickly compare rates.

Many insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company then returns a price quote determined by their information. This system prevents you from having to do quote forms to each company.

To participate in this free quote system, click here to open in new window.

The only downside to pricing coverage this way is you cannot specify the insurers to receive prices from. So if you want to select individual companies to compare rates, we have a listing of companies who write insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare exactly the same deductibles and coverage limits for each price quote. If your comparisons have differing limits it will be very difficult to determine the lowest rate for your Buick Enclave.

More discounts equal less premium

Auto insurance companies don’t list every discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Resident Student – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Organization Discounts – Affiliation with a qualifying organization could trigger savings on your policy on Enclave coverage.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Multi-policy Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of providers with discount insurance rates, click this link.

It’s not one size fits all

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I hit a deer?
  • Do all my vehicles need collision coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should my teen driver be added to my policy?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Buick Enclave insurance rates consist of many parts

It’s important that you understand the rating factors that help determine the price you pay for insurance coverage. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

The following are some of the items insurance coverage companies consider when setting your rates.

  • One company can mean more discounts – The majority of companies provide better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to shop around to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Lower deductibles cost more – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Buick from damage. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more you have to pay, the less your company will charge you for insurance on Enclave coverage.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Your credit rating is important – Credit score is a large factor in determining what you pay for insurance coverage. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit history is low, you could pay less to insure your 2011 Buick Enclave by improving your credit score.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one ticket may increase your cost twenty percent or more. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Extra add-on coverages are wasting money – There are a ton of extra coverages that you can buy if you aren’t careful. Coverages like personal injury protection, towing coverage and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so get rid of them and save.

Car insurance 101

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2011 Buick Enclave.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability – This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as funeral expenses, legal defense fees, structural damage and loss of income. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, doctor visits, chiropractic care, pain medications and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Budget-conscious 2011 Buick Enclave insurance is attainable both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Drivers change insurance companies for any number of reasons including policy non-renewal, extreme rates for teen drivers, delays in paying claims and high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company is pretty easy and you might even save some money in the process.

More tips and info about auto insurance can be found in these articles:

Rates by U.S. City

2011 Buick Enclave Insurance Rates by City
City Premium
New York City, NY $1,884
Los Angeles, CA $2,040
Philadelphia, PA $1,593
Jacksonville, FL $1,731
Phoenix, AZ $1,386
Chicago, IL $1,602
Houston, TX $1,869
Seattle, WA $1,162
Columbus, OH $995
Indianapolis, IN $1,015

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Buick Enclave Insurance Rates by Driver Age
Driver Age Premium
16 $4,634
20 $2,734
30 $1,226
40 $1,192
50 $1,092
60 $1,070

Full coverage, $500 deductibles

Rates by Deductible

2011 Buick Enclave Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Buick Enclave Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,192
50/100 $1,285
100/300 $1,401
250/500 $1,702
100 CSL $1,331
300 CSL $1,586
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Buick Enclave Insurance Rates for High Risk Drivers
Age Premium
16 $6,568
20 $4,358
30 $2,612
40 $2,574
50 $2,458
60 $2,434

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $488
Rate after discounts $704

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2011 Buick Enclave Insurance Rates by State
State Premium
Alabama $1,078
Alaska $914
Arizona $990
Arkansas $1,192
California $1,360
Colorado $1,140
Connecticut $1,226
Delaware $1,350
Florida $1,492
Georgia $1,100
Hawaii $858
Idaho $806
Illinois $890
Indiana $898
Iowa $806
Kansas $1,134
Kentucky $1,628
Louisiana $1,766
Maine $736
Maryland $984
Massachusetts $956
Michigan $2,072
Minnesota $998
Mississippi $1,428
Missouri $1,058
Montana $1,282
Nebraska $940
Nevada $1,430
New Hampshire $858
New Jersey $1,332
New Mexico $1,056
New York $1,256
North Carolina $688
North Dakota $976
Ohio $822
Oklahoma $1,224
Oregon $1,092
Pennsylvania $1,138
Rhode Island $1,592
South Carolina $1,080
South Dakota $1,008
Tennessee $1,044
Texas $1,438
Utah $884
Vermont $818
Virginia $714
Washington $922
West Virginia $1,092
Wisconsin $826
Wyoming $1,064

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