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 $1,354 a year for full coverage. Comprehensive insurance costs around $270, collision costs $474, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,934 or more. Teenage drivers cost the most to insure at $5,144 a year or more.

Average premium for full coverage: $1,354

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Buick Enclave insurance rates for additional coverage choices and driver risks.

• The best discount rate is $782
• Raising to $1,000 deductibles will save about $168 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,354
• Using more expensive low deductibles will cost an additional $328 annually
• Drivers who are prone to accidents and violations could pay at least $2,934 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $5,144

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,100 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 $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,930 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $500 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Cheaper Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least once a year by requesting rates from direct carriers, and also from several local insurance agents.

The following items are a condensed summary of the primary concepts that were touched on above.

• Drivers can save up to $160 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,580 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $429 each month if full coverage is included

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.