Buick Enclave Insurance Rates
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UPDATED: Jun 6, 2023
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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.
U.S. average auto insurance rates for a Buick Enclave are $1,394 annually including full coverage. Comprehensive costs an estimated $282, collision insurance costs $512, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $3,022. Teen drivers pay the highest rates at up to $5,264 a year.
Average premium for full coverage: $1,394
Price estimates broken down by individual coverage:
Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Enclave trim levels.
Price Range from Low to High
For a driver in their 40's, Buick Enclave insurance prices range from as cheap as $496 for just the minimum liability insurance to a much higher rate of $3,022 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.
The ranges above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using price 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 Analysis
The chart below breaks down average Buick Enclave insurance rates for other coverage scenarios.
- The lowest rate with discounts is $802
- Choosing higher $1,000 deductibles can save approximately $182 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,394
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,742
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,022
- The price with full coverage for a teen driver with full coverage can cost as much as $5,264 each year
Car insurance prices for a Buick Enclave are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges as much as 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $530 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Buick Enclave insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,990 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|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.
|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 Buy the Cheapest Buick Enclave Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and possibly higher deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a recap of the ideas that were covered in the charts and tables above.
- Teenagers have the highest car insurance prices, possibly costing $439 a month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,630 more annually for car insurance
- Increasing physical damage deductibles could save up to $525 each year
- You may be able to save approximately $170 per year just by shopping early and online
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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$102|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.