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 an estimated $260, collision insurance costs $446, and liability coverage is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $2,858. Teen drivers cost the most to insure at up to $5,040 a year.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below illustrates average Buick Enclave insurance rates for other coverage scenarios.

• The lowest rate with discounts is $767
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,320
• Choosing pricier low deductibles for comp and collision coverage will cost $1,632
• Drivers with multiple violations and an at-fault accident could pay up to $2,858
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $5,040 each year

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged 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 are probably paying $1,600 to $2,200 extra every year, depending on your age. Buick Enclave insurance for high-risk drivers ranges around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $480 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. 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 as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

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 Cheapest Buick Enclave Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the car insurance concepts raised in the charts and tables above.

• Drivers that have major violations or accidents may pay on average $1,540 more annually to insure their Enclave
• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Consumers who want more liability coverage will pay about $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.