Buick Enclave Insurance Rates
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UPDATED: Jun 5, 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 insurance prices for a Buick Enclave are $1,354 every 12 months for full coverage. Comprehensive insurance costs an estimated $270, collision insurance costs $474, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,934 or more. Teen drivers pay the highest rates at up to $5,144 a year.
Average premium for full coverage: $1,354
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Enclave models.
Price Range from Low to High
Using a middle-aged driver as an example, Buick Enclave insurance prices range from the cheapest price of $504 for basic liability insurance to the much higher price of $2,934 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The example below illustrates how where you live affects insurance prices.
The ranges above show why everyone should compare rates for a targeted area and their own driving history, rather than relying on 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.
Rate Comparisons
The chart below shows average Buick Enclave insurance rates for other coverage scenarios.
- The lowest rate with discounts is $782
- Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,354
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $328 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,934
- The price to insure a teen driver for full coverage can cost as much as $5,144 a year
Car insurance prices for a Buick Enclave are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $500 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. Buick Enclave insurance for high-risk drivers can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Buick Enclave insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$130 | -9.6% |
| Alaska | $1,040 | -$314 | -23.2% |
| Arizona | $1,124 | -$230 | -17.0% |
| Arkansas | $1,354 | -$0 | 0.0% |
| California | $1,542 | $188 | 13.9% |
| Colorado | $1,292 | -$62 | -4.6% |
| Connecticut | $1,394 | $40 | 3.0% |
| Delaware | $1,532 | $178 | 13.1% |
| Florida | $1,694 | $340 | 25.1% |
| Georgia | $1,250 | -$104 | -7.7% |
| Hawaii | $972 | -$382 | -28.2% |
| Idaho | $918 | -$436 | -32.2% |
| Illinois | $1,010 | -$344 | -25.4% |
| Indiana | $1,020 | -$334 | -24.7% |
| Iowa | $912 | -$442 | -32.6% |
| Kansas | $1,286 | -$68 | -5.0% |
| Kentucky | $1,848 | $494 | 36.5% |
| Louisiana | $2,004 | $650 | 48.0% |
| Maine | $834 | -$520 | -38.4% |
| Maryland | $1,118 | -$236 | -17.4% |
| Massachusetts | $1,084 | -$270 | -19.9% |
| Michigan | $2,354 | $1,000 | 73.9% |
| Minnesota | $1,134 | -$220 | -16.2% |
| Mississippi | $1,622 | $268 | 19.8% |
| Missouri | $1,202 | -$152 | -11.2% |
| Montana | $1,454 | $100 | 7.4% |
| Nebraska | $1,070 | -$284 | -21.0% |
| Nevada | $1,624 | $270 | 19.9% |
| New Hampshire | $976 | -$378 | -27.9% |
| New Jersey | $1,514 | $160 | 11.8% |
| New Mexico | $1,200 | -$154 | -11.4% |
| New York | $1,426 | $72 | 5.3% |
| North Carolina | $780 | -$574 | -42.4% |
| North Dakota | $1,110 | -$244 | -18.0% |
| Ohio | $936 | -$418 | -30.9% |
| Oklahoma | $1,390 | $36 | 2.7% |
| Oregon | $1,240 | -$114 | -8.4% |
| Pennsylvania | $1,292 | -$62 | -4.6% |
| Rhode Island | $1,806 | $452 | 33.4% |
| South Carolina | $1,228 | -$126 | -9.3% |
| South Dakota | $1,142 | -$212 | -15.7% |
| Tennessee | $1,186 | -$168 | -12.4% |
| Texas | $1,634 | $280 | 20.7% |
| Utah | $1,002 | -$352 | -26.0% |
| Vermont | $926 | -$428 | -31.6% |
| Virginia | $810 | -$544 | -40.2% |
| Washington | $1,046 | -$308 | -22.7% |
| West Virginia | $1,240 | -$114 | -8.4% |
| Wisconsin | $938 | -$416 | -30.7% |
| Wyoming | $1,206 | -$148 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Enclave CX 2WD | $1,320 | $110 |
| Buick Enclave CX AWD | $1,354 | $113 |
| Buick Enclave XL 2WD | $1,354 | $113 |
| Buick Enclave XL AWD | $1,392 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Buick Enclave | $332 | $570 | $390 | $1,450 |
| 2023 Buick Enclave | $320 | $566 | $398 | $1,442 |
| 2022 Buick Enclave | $308 | $552 | $416 | $1,434 |
| 2021 Buick Enclave | $298 | $530 | $430 | $1,416 |
| 2020 Buick Enclave | $282 | $512 | $442 | $1,394 |
| 2019 Buick Enclave | $270 | $474 | $452 | $1,354 |
| 2018 Buick Enclave | $260 | $446 | $456 | $1,320 |
| 2016 Buick Enclave | $232 | $368 | $460 | $1,218 |
| 2015 Buick Enclave | $224 | $346 | $464 | $1,192 |
| 2014 Buick Enclave | $220 | $322 | $474 | $1,174 |
| 2013 Buick Enclave | $202 | $300 | $474 | $1,134 |
| 2009 Buick Enclave | $168 | $202 | $468 | $996 |
| 2008 Buick Enclave | $166 | $198 | $460 | $982 |
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 Cheaper Buick Enclave Insurance
Getting lower rates on Buick Enclave insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the data touched on in the above illustrations.
- Drivers who want increased liability limits will pay about $500 each year to go from a low limit to a 250/500 level
- Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $500 each year
- Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $429 a month if the policy includes full coverage
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
| Driver Age | Premium |
|---|---|
| 16 | $5,144 |
| 20 | $3,124 |
| 30 | $1,406 |
| 40 | $1,354 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,530 |
| $500 | $1,354 |
| $1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,354 |
| 50/100 | $1,482 |
| 100/300 | $1,595 |
| 250/500 | $1,889 |
| 100 CSL | $1,528 |
| 300 CSL | $1,776 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,326 |
| 20 | $4,978 |
| 30 | $2,990 |
| 40 | $2,934 |
| 50 | $2,802 |
| 60 | $2,776 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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