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.

Estimated insurance prices for a Buick Enclave are $1,320 every 12 months for full coverage insurance. Comprehensive insurance costs around $260 each year, collision costs $446, and liability costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,858 or more. Teens pay the most at $5,040 a year or more.

Average premium for full coverage: $1,320

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Enclave models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Buick Enclave insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $767
• Drivers who choose higher $1,000 deductibles will pay about $160 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,320
• Selecting low deductibles for comprehensive and collision insurance costs an extra $312 annually
• Drivers with serious driving violations could pay at least $2,858 or more
• An auto insurance policy to insure a 16-year-old driver can be $5,040 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Buick Enclave insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates prices differently, and quoted prices will be substantially different.

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 better rates on insurance for a Buick Enclave not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the coverage data raised in the charts and tables above.

• It is possible to save up to $160 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $475 each year
• Teen drivers are expensive to insure, with premiums being up to $420 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,540 more every year to insure their Enclave

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.