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 insurance rates for a Buick Enclave are $1,320 a year including full coverage. Comprehensive costs approximately $260 a year, collision costs $446, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,858. Teen drivers 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:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $767
• Raising to $1,000 deductibles will save $1,160 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,320
• Choosing low $100 deductibles bumps up the cost to $1,632
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,858 or more
• Policy cost that insures a teen driver can cost $5,040

View Chart as Image

Auto insurance rates for a Buick Enclave also range considerably based on the trim level of your Enclave, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $480 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.

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 Find Affordable Buick Enclave Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a brief review of the concepts that were covered in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions will likely pay on average $1,540 more per year for auto insurance
• Teenage drivers have the highest car insurance rates, with premiums being up to $420 each month if the policy includes full coverage
• You may be able to save around $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• You may be able to save around $160 per year simply by quoting 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.

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.