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 insurance. Comprehensive costs approximately $260, collision costs $446, and liability insurance is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $2,858. Teens cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Buick Enclave insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $767
• Choosing higher $1,000 deductibles can save $160 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,320
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,632
• High-risk insureds with serious driving violations could pay around $2,858 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $5,040 each year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually 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 in the ballpark of $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 are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 each year, while increasing your policy's liability limits will push rates upward. Switching 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 plays a big part in determining prices for Buick Enclave insurance rates. A good driver about age 40 could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, 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 the Best Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance takes being a good driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,540 more per year than a safer driver
• It is possible to save around $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers who purchase an increased level of liability coverage will pay approximately $500 annually to raise limits 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.