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.

Average insurance rates for a Buick Enclave are $1,320 a year including full coverage. Comprehensive costs on average $260, collision costs $446, and liability coverage is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $2,858. Teens receive the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $767
• Raising to $1,000 deductibles will save around $160 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,320
• Selecting more expensive low deductibles bumps up the cost to $1,632
• Unlucky drivers with serious driving violations could pay upwards of $2,858 or more
• The cost that insures a teenage driver with full coverage may cost $5,040

View Chart as Image

Insurance rates for a Buick Enclave can also vary considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

Where you live also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly different.

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 Cheaper Buick Enclave Insurance

Saving money on auto insurance consists of having a decent driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the material that was covered in the charts and tables above.

• Consumers who require additional liability coverage will pay approximately $500 per year to raise from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers pay higher rates, as much as $420 per month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,540 more each year than a driver with a clean driving record
• Increasing deductibles can save approximately $475 each year

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.