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 auto insurance rates for a Buick Enclave are $1,320 annually for full coverage. Comprehensive insurance costs an estimated $260, collision costs $446, and liability insurance is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,858 or more. Teenage drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $767
• Raising to $1,000 deductibles will save approximately $160 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,320
• Using pricier low deductibles costs an additional $312 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,858 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,040

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

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,200 in extra premium every year, depending on your age. Buick Enclave insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $480 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy Low Cost Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the information covered above.

• Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are the costliest to insure, costing up to $420 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $475 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,540 more annually to buy Buick Enclave insurance
• Drivers who want increased levels of liability coverage will pay an extra $500 each year to raise from a 30/60 limit to higher 250/500 limits

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.