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Buick Enclave Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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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.

Estimated insurance prices for a Buick Enclave are $1,450 every 12 months with full coverage. Comprehensive costs an estimated $332, collision costs $570, and liability costs around $390. A policy with only liability insurance costs as low as $452 a year, with a high-risk policy costing around $3,130. Teens pay the most at $5,326 a year or more.

Average premium for full coverage: $1,450

Premium estimates broken down by type of coverage:

Comprehensive $332
Collision $570
Liability $390

Rates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Enclave trim levels.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Buick Enclave go from the cheapest price of $452 for a discount liability-only rate to a much higher rate of $3,130 for a high risk driver.

Liability Only $452
Full Coverage $1,450
High Risk $3,130

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of location on insurance prices.

Rural Areas $1,088
Small Cities $1,523
Large Cities $1,958

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $835
  • Using higher $1,000 deductibles will save approximately $204 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,450
  • Selecting more expensive low deductibles for physical damage coverage increases the price to $1,850
  • High-risk insureds with serious driving violations could pay up to $3,130 or more
  • An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $5,326 or more

View Chart as Image

Buick Enclave insurance cost comparison chart
Column chart showing full coverage Buick Enclave insurance rates range from $835 to $5,326

Car insurance prices for a Buick Enclave also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Buick Enclave insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,960 on average in New York, Michigan, and Florida.

Buick Enclave Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,312 -$138 -9.5%
Alaska $1,114 -$336 -23.2%
Arizona $1,206 -$244 -16.8%
Arkansas $1,450 -$0 0.0%
California $1,654 $204 14.1%
Colorado $1,388 -$62 -4.3%
Connecticut $1,492 $42 2.9%
Delaware $1,644 $194 13.4%
Florida $1,818 $368 25.4%
Georgia $1,342 -$108 -7.4%
Hawaii $1,042 -$408 -28.1%
Idaho $982 -$468 -32.3%
Illinois $1,082 -$368 -25.4%
Indiana $1,092 -$358 -24.7%
Iowa $980 -$470 -32.4%
Kansas $1,380 -$70 -4.8%
Kentucky $1,980 $530 36.6%
Louisiana $2,150 $700 48.3%
Maine $896 -$554 -38.2%
Maryland $1,198 -$252 -17.4%
Massachusetts $1,162 -$288 -19.9%
Michigan $2,524 $1,074 74.1%
Minnesota $1,214 -$236 -16.3%
Mississippi $1,738 $288 19.9%
Missouri $1,288 -$162 -11.2%
Montana $1,560 $110 7.6%
Nebraska $1,146 -$304 -21.0%
Nevada $1,740 $290 20.0%
New Hampshire $1,046 -$404 -27.9%
New Jersey $1,624 $174 12.0%
New Mexico $1,286 -$164 -11.3%
New York $1,530 $80 5.5%
North Carolina $836 -$614 -42.3%
North Dakota $1,190 -$260 -17.9%
Ohio $1,004 -$446 -30.8%
Oklahoma $1,492 $42 2.9%
Oregon $1,330 -$120 -8.3%
Pennsylvania $1,386 -$64 -4.4%
Rhode Island $1,938 $488 33.7%
South Carolina $1,318 -$132 -9.1%
South Dakota $1,224 -$226 -15.6%
Tennessee $1,274 -$176 -12.1%
Texas $1,750 $300 20.7%
Utah $1,074 -$376 -25.9%
Vermont $994 -$456 -31.4%
Virginia $870 -$580 -40.0%
Washington $1,120 -$330 -22.8%
West Virginia $1,332 -$118 -8.1%
Wisconsin $1,006 -$444 -30.6%
Wyoming $1,294 -$156 -10.8%

View Chart as Image

Buick Enclave insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company calculates prices differently, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Buick Enclave Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Buick Enclave CX 2WD $1,410 $118
Buick Enclave CX AWD $1,450 $121
Buick Enclave XL 2WD $1,450 $121
Buick Enclave XL AWD $1,494 $125

Rates assume 2020 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.

Buick Enclave Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Buick Enclave $332 $570 $390 $1,450
2019 Buick Enclave $320 $566 $398 $1,442
2018 Buick Enclave $308 $552 $416 $1,434
2017 Buick Enclave $298 $530 $430 $1,416
2016 Buick Enclave $282 $512 $442 $1,394
2015 Buick Enclave $270 $474 $452 $1,354
2014 Buick Enclave $260 $446 $456 $1,320
2013 Buick Enclave $248 $400 $460 $1,266
2012 Buick Enclave $232 $368 $460 $1,218
2011 Buick Enclave $224 $346 $464 $1,192
2010 Buick Enclave $220 $322 $474 $1,174
2009 Buick Enclave $202 $300 $474 $1,134
2008 Buick Enclave $198 $272 $478 $1,106

Rates are averaged for all Buick Enclave models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Buick Enclave Insurance

Finding better rates on insurance for a Buick Enclave requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and not having any coverage lapses. Take the time to shop around at least every two years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the information that was covered in this article.

  • Increasing policy deductibles could save as much as $600 each year
  • You may be able to save approximately $180 per year simply by shopping early and online
  • Insureds who want higher liability limits will pay approximately $430 every year to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenagers have the highest car insurance prices, possibly costing $444 per month if the policy includes full coverage
  • Drivers considered higher risk that have multiple accidents or serious violations may pay on average $1,680 more annually for car 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.

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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.

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.

Rates by Driver Age

Buick Enclave Insurance Rates by Driver Age
Driver Age Premium
16 $5,326
20 $3,332
30 $1,518
40 $1,450
50 $1,326
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Buick Enclave Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,850
$250 $1,666
$500 $1,450
$1,000 $1,246

Full coverage, driver age 40

Rates by Liability Limit

Buick Enclave Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,450
50/100 $1,572
100/300 $1,670
250/500 $1,923
100 CSL $1,611
300 CSL $1,826
500 CSL $1,982

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Enclave Insurance Rates for High Risk Drivers
Age Premium
16 $7,606
20 $5,298
30 $3,202
40 $3,130
50 $2,984
60 $2,958

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $72
Online Quote $103
Total Discounts $615
Rate after discounts $835

Discounts are estimated and may not be available from every company or in every state.

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