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.

Estimated auto insurance rates for a Buick Enclave are $1,320 annually for full coverage insurance. Comprehensive costs on average $260 each year, collision costs $446, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,858. Teens pay the most at $5,040 a year or more.

Average premium for full coverage: $1,320

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Enclave models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Buick Enclave insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $767
• Drivers who choose higher $1,000 deductibles will pay around $160 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,320
• Selecting low deductibles for comprehensive and collision insurance will cost $1,632
• High risk drivers with serious driving violations could pay upwards of $2,858 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,040 a year

View Chart as Image

Auto insurance prices for a Buick Enclave also have a wide range based on the model of your Enclave, your risk profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Buick Enclave insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and quoted prices will be substantially different 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 better rates on Buick Enclave insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The items below are a brief recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers who tend to receive serious violations may pay on average $1,540 more each year to insure their Enclave
• It is possible to save as much as $160 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $475 each year
• Drivers who require more liability coverage will pay approximately $500 annually to go from 30/60 bodily injury limits 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.