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 $1,320 a year for full coverage. Comprehensive insurance costs on average $260 each year, collision costs $446, and liability costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,858 or more. Teenage drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $767
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,320
• Using low deductibles for comprehensive and collision insurance will cost an additional $312 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,858 or more
• Policy cost that insures a 16-year-old driver may cost $5,040 a year

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Buick Enclave insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $480 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and rates will be varied.

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 Cheaper Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The list below is a condensed summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,540 more each year for car insurance
• Teenagers pay higher rates, costing up to $420 each month if comprehensive and collision insurance is included
• Drivers can save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers can save as much as $160 per year simply by quoting online in advance

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.