Buick Enclave Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Estimated insurance prices for a Buick Enclave are $1,394 every 12 months including full coverage. Comprehensive costs an estimated $282 a year, collision costs $512, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $3,022. 16-year-old drivers pay the most at $5,264 a year or more.

Average premium for full coverage: $1,394

Premium estimates broken down by type of coverage:

Comprehensive $282
Collision $512
Liability $442

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Enclave trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Buick Enclave go from the cheapest price of $496 for the bare minimum liability coverage to a high of $3,022 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,394
High Risk $3,022

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $1,046
Small Cities $1,464
Large Cities $1,882

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of using rate averages.

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

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

Additional Rate Information

The chart below breaks down estimated Buick Enclave insurance rates for other coverage scenarios.

  • The best full coverage rate is $802
  • Raising to $1,000 deductibles will save approximately $1,212 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,394
  • Buying low $100 deductibles increases the price to $1,742
  • At-risk drivers with multiple tickets or accidents could pay up to $3,022 or more
  • An auto insurance policy to insure a teen driver can cost as much as $5,264

View Chart as Image

Buick Enclave insurance cost comparison chart
Column chart showing full coverage Buick Enclave insurance rates range from $802 to $5,264

Auto insurance prices for a Buick Enclave also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $530 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Buick Enclave insurance prices. A middle-age driver might find prices 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.

Buick Enclave Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,260 -$134 -9.6%
Alaska $1,070 -$324 -23.2%
Arizona $1,158 -$236 -16.9%
Arkansas $1,394 -$0 0.0%
California $1,586 $192 13.8%
Colorado $1,330 -$64 -4.6%
Connecticut $1,434 $40 2.9%
Delaware $1,576 $182 13.1%
Florida $1,742 $348 25.0%
Georgia $1,286 -$108 -7.7%
Hawaii $1,000 -$394 -28.3%
Idaho $942 -$452 -32.4%
Illinois $1,038 -$356 -25.5%
Indiana $1,050 -$344 -24.7%
Iowa $940 -$454 -32.6%
Kansas $1,326 -$68 -4.9%
Kentucky $1,902 $508 36.4%
Louisiana $2,062 $668 47.9%
Maine $860 -$534 -38.3%
Maryland $1,150 -$244 -17.5%
Massachusetts $1,114 -$280 -20.1%
Michigan $2,420 $1,026 73.6%
Minnesota $1,166 -$228 -16.4%
Mississippi $1,668 $274 19.7%
Missouri $1,236 -$158 -11.3%
Montana $1,498 $104 7.5%
Nebraska $1,098 -$296 -21.2%
Nevada $1,670 $276 19.8%
New Hampshire $1,002 -$392 -28.1%
New Jersey $1,558 $164 11.8%
New Mexico $1,234 -$160 -11.5%
New York $1,468 $74 5.3%
North Carolina $802 -$592 -42.5%
North Dakota $1,140 -$254 -18.2%
Ohio $962 -$432 -31.0%
Oklahoma $1,430 $36 2.6%
Oregon $1,276 -$118 -8.5%
Pennsylvania $1,330 -$64 -4.6%
Rhode Island $1,860 $466 33.4%
South Carolina $1,260 -$134 -9.6%
South Dakota $1,178 -$216 -15.5%
Tennessee $1,222 -$172 -12.3%
Texas $1,678 $284 20.4%
Utah $1,032 -$362 -26.0%
Vermont $954 -$440 -31.6%
Virginia $834 -$560 -40.2%
Washington $1,078 -$316 -22.7%
West Virginia $1,276 -$118 -8.5%
Wisconsin $964 -$430 -30.8%
Wyoming $1,242 -$152 -10.9%

View Chart as Image

Buick Enclave insurance rates by U.S. city

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Buick Enclave Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Buick Enclave CX 2WD $1,354 $113
Buick Enclave CX AWD $1,394 $116
Buick Enclave XL 2WD $1,394 $116
Buick Enclave XL AWD $1,430 $119

Rates assume 2018 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.

Buick Enclave Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Buick Enclave $282 $512 $442 $1,394
2015 Buick Enclave $248 $400 $460 $1,266
2014 Buick Enclave $232 $368 $460 $1,218
2013 Buick Enclave $224 $346 $464 $1,192
2009 Buick Enclave $184 $248 $474 $1,064
2008 Buick Enclave $174 $226 $474 $1,032

Rates are averaged for all Buick Enclave models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheap Buick Enclave Insurance

Finding better rates on car insurance consists of having a decent driving record, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief summary of the information touched on in this article.

  • You may be able to save approximately $170 per year simply by quoting early and online
  • 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $439 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles could save as much as $525 each year
  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,630 more annually than a driver with a clean driving record
  • Policyholders who want additional liability coverage will pay around $490 per year to raise from 30/60 bodily injury limits to a 250/500 level

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

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.

Rates by Driver Age

Buick Enclave Insurance Rates by Driver Age
Driver Age Premium
16 $5,264
20 $3,220
30 $1,450
40 $1,394
50 $1,274
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

Buick Enclave Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,742
$250 $1,580
$500 $1,394
$1,000 $1,212

Full coverage, driver age 40

Rates by Liability Limit

Buick Enclave Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,394
50/100 $1,518
100/300 $1,629
250/500 $1,916
100 CSL $1,563
300 CSL $1,806
500 CSL $1,983

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Enclave Insurance Rates for High Risk Drivers
Age Premium
16 $7,502
20 $5,132
30 $3,082
40 $3,022
50 $2,886
60 $2,860

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $99
Total Discounts $592
Rate after discounts $802

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles