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 prices for a Buick Enclave are $1,394 every 12 months for full coverage. Comprehensive costs an estimated $282 each year, collision insurance costs $512, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $3,022. Teenage drivers cost the most to insure at up to $5,264 a year.

Average premium for full coverage: $1,394

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The examples above show why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows average Buick Enclave insurance rates for other coverage scenarios.

• The best discount rate is $802
• Using higher $1,000 deductibles will save approximately $182 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,394
• Using low deductibles for physical damage coverage increases the price to $1,742
• High-risk insureds who are prone to accidents and violations could pay up to $3,022
• Policy cost to insure a 16-year-old driver can cost as much as $5,264 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $530 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Buick Enclave insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,990 on average in New York, Louisiana, 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 Shop for the Best Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

Below is a brief recap of the ideas that were illustrated above.

• Teenage drivers have the highest car insurance rates, costing up to $439 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,630 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers can save approximately $170 per year just 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.