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 including full coverage. Comprehensive costs on average $270 a year, collision insurance costs $474, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs around $2,934. Teen drivers cost the most to insure at up to $5,144 a year.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below breaks down average Buick Enclave insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $782
• Raising to $1,000 deductibles will save around $1,186 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,354
• Choosing low $100 deductibles bumps up the cost to $1,682
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,934
• Policy cost that insures a 16-year-old driver may cost $5,144

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the trim level of your Enclave, your driving record and age, and policy deductibles and limits.

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

Older drivers 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 highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $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 $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $500 annually, while buying higher liability limits will cost you more. Changing 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

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 Find the Right Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Shop around at least once a year by getting price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick rundown of the primary concepts that were covered above.

• You may be able to save as much as $160 per year just by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,580 more each 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 the highest rates, with premiums being 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.