Buick Enclave Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

U.S. average insurance rates for a Buick Enclave are $1,354 a year for full coverage insurance. Comprehensive insurance costs around $270 each year, collision costs $474, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing $2,934 or more. Teen drivers pay the highest rates at $5,144 a year or more.

Average premium for full coverage: $1,354

Price estimates for individual coverage:

Comprehensive $270
Collision $474
Liability $452

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Enclave models.

Price Range from Low to High

For a driver around age 40, Buick Enclave insurance prices go from the low end price of $504 for just liability coverage to a high rate of $2,934 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,354
High Risk $2,934

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

The ranges above illustrate why all drivers should compare prices for a specific zip code, rather than using price averages.

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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $782
  • Using higher $1,000 deductibles will save about $168 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,354
  • Choosing low deductibles for physical damage coverage will cost an additional $328 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,934 or more
  • The price that insures a teenage driver can be $5,144 or more

View Chart as Image

Buick Enclave insurance cost comparison chart
Column chart showing full coverage Buick Enclave insurance prices range from $782 to $5,144

Insurance prices for a Buick Enclave are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age

The state you live in has a huge impact on Buick Enclave insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,830 on average in Michigan, New York, and Florida.

Buick Enclave Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,040 -$314 -23.2%
Arizona $1,124 -$230 -17.0%
Arkansas $1,354 -$0 0.0%
California $1,542 $188 13.9%
Colorado $1,292 -$62 -4.6%
Connecticut $1,394 $40 3.0%
Delaware $1,532 $178 13.1%
Florida $1,694 $340 25.1%
Georgia $1,250 -$104 -7.7%
Hawaii $972 -$382 -28.2%
Idaho $918 -$436 -32.2%
Illinois $1,010 -$344 -25.4%
Indiana $1,020 -$334 -24.7%
Iowa $912 -$442 -32.6%
Kansas $1,286 -$68 -5.0%
Kentucky $1,848 $494 36.5%
Louisiana $2,004 $650 48.0%
Maine $834 -$520 -38.4%
Maryland $1,118 -$236 -17.4%
Massachusetts $1,084 -$270 -19.9%
Michigan $2,354 $1,000 73.9%
Minnesota $1,134 -$220 -16.2%
Mississippi $1,622 $268 19.8%
Missouri $1,202 -$152 -11.2%
Montana $1,454 $100 7.4%
Nebraska $1,070 -$284 -21.0%
Nevada $1,624 $270 19.9%
New Hampshire $976 -$378 -27.9%
New Jersey $1,514 $160 11.8%
New Mexico $1,200 -$154 -11.4%
New York $1,426 $72 5.3%
North Carolina $780 -$574 -42.4%
North Dakota $1,110 -$244 -18.0%
Ohio $936 -$418 -30.9%
Oklahoma $1,390 $36 2.7%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,228 -$126 -9.3%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,634 $280 20.7%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,046 -$308 -22.7%
West Virginia $1,240 -$114 -8.4%
Wisconsin $938 -$416 -30.7%
Wyoming $1,206 -$148 -10.9%

View Chart as Image

Buick Enclave insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $500 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite 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 $1,320 $110
Buick Enclave CX AWD $1,354 $113
Buick Enclave XL 2WD $1,354 $113
Buick Enclave XL AWD $1,392 $116

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.

Buick Enclave Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Buick Enclave $332 $570 $390 $1,450
2023 Buick Enclave $320 $566 $398 $1,442
2022 Buick Enclave $308 $552 $416 $1,434
2021 Buick Enclave $298 $530 $430 $1,416
2020 Buick Enclave $282 $512 $442 $1,394
2019 Buick Enclave $270 $474 $452 $1,354
2018 Buick Enclave $260 $446 $456 $1,320
2016 Buick Enclave $232 $368 $460 $1,218
2015 Buick Enclave $224 $346 $464 $1,192
2014 Buick Enclave $220 $322 $474 $1,174
2013 Buick Enclave $202 $300 $474 $1,134
2009 Buick Enclave $168 $202 $468 $996
2008 Buick Enclave $166 $198 $460 $982

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 Find Cheap Buick Enclave Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around at every policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the data covered above.

  • Consumers who may need an increased level of liability coverage will pay about $500 annually to increase from a low limit to the 250/500 level
  • It is possible to save up to $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $500 each year
  • Drivers age 16 to 20 pay higher prices, as much as $429 a 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,144
20 $3,124
30 $1,406
40 $1,354
50 $1,238
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Buick Enclave Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,682
$250 $1,530
$500 $1,354
$1,000 $1,186

Full coverage, driver age 40

Rates by Liability Limit

Buick Enclave Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,482
100/300 $1,595
250/500 $1,889
100 CSL $1,528
300 CSL $1,776
500 CSL $1,957

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Enclave Insurance Rates for High Risk Drivers
Age Premium
16 $7,326
20 $4,978
30 $2,990
40 $2,934
50 $2,802
60 $2,776

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $96
Total Discounts $572
Rate after discounts $782

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles