Buick Enclave Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance prices for a Buick Enclave are $1,354 every 12 months including full coverage. Comprehensive insurance costs an estimated $270, collision costs $474, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,934 or more. 16-year-old drivers cost the most to insure at $5,144 a year or more.
Average premium for full coverage: $1,354
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Enclave trim levels.
Price Range Variability
For an average driver, Buick Enclave insurance rates go from the cheapest price of $504 for just liability insurance to a much higher rate of $2,934 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using rate 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.
More Rate Details
The chart below breaks down estimated Buick Enclave insurance rates for other coverage scenarios.
- The best full coverage rate is $782
- Using higher $1,000 deductibles will save approximately $168 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,354
- Buying more expensive low deductibles for physical damage coverage costs an extra $328 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,934 or more
- Policy cost to insure a teenage driver with full coverage can cost as much as $5,144 or more
Insurance rates for a Buick Enclave also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $500 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 43% to 132% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Buick Enclave insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,930 on average in Louisiana, New York, and Michigan.
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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
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 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Buick Enclave | $270 | $474 | $452 | $1,354 |
2015 Buick Enclave | $232 | $368 | $460 | $1,218 |
2014 Buick Enclave | $224 | $346 | $464 | $1,192 |
2013 Buick Enclave | $220 | $322 | $474 | $1,174 |
2009 Buick Enclave | $174 | $226 | $474 | $1,032 |
2008 Buick Enclave | $168 | $202 | $468 | $996 |
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 Low Cost Buick Enclave Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a review of the information covered in the above illustrations.
- You may be able to save approximately $160 per year simply by shopping early and online
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $429 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers who have several accidents or serious violations may have to pay on average $1,580 more annually to insure a Buick Enclave
- Consumers who want increased liability limits will pay around $500 per year to increase from a 30/60 limit to a 250/500 level
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,682 |
$250 | $1,530 |
$500 | $1,354 |
$1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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