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 $1,394 annually including full coverage. Comprehensive costs approximately $282 each year, collision insurance costs $512, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $3,022. 16-year-old drivers cost the most to insure at up to $5,264 a year.

Average premium for full coverage: $1,394

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down average Buick Enclave insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $802
• Raising to $1,000 deductibles will save $182 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,394
• Buying low deductibles will cost $1,742
• At-risk drivers with multiple tickets or accidents could pay around $3,022
• Policy cost with full coverage for a teen driver can cost $5,264

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may 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 without any violations or accidents they will be charged in the ballpark of $5,200 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 anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $530 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,990 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheaper Buick Enclave Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a condensed summary of the primary concepts that were touched on above.

• You may be able to save around $170 per year just by quoting online in advance
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,630 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenagers pay the highest auto insurance rates, with premiums being up to $439 each month if comprehensive and collision insurance is included

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.