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 including full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $446, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,858 or more. 16-year-old 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:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $767
• Choosing higher $1,000 deductibles can save approximately $1,160 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,320
• Buying low $100 deductibles for comp and collision coverage costs an additional $312 each year
• Drivers with multiple tickets or accidents could pay up to $2,858 or more
• Policy cost with full coverage for a teenage driver can cost as much as $5,040 each year

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record 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 can expect 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 are likely paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $480 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per 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 $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the 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 auto insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $160 per year simply by quoting early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,540 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teenagers are charged the highest rates, with premiums being up to $420 each month including comprehensive and collision insurance

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.