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 auto insurance rates for a Buick Enclave are $1,320 annually for full coverage insurance. Comprehensive costs an estimated $260, collision costs $446, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $2,858. Teen drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $767
• Using higher $1,000 deductibles will save approximately $160 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,320
• Choosing more expensive low deductibles for physical damage coverage will cost $1,632
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,858 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,040 or more

View Chart as Image

Auto insurance rates for a Buick Enclave also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $480 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Buick Enclave insurance rates. A driver around age 40 might see rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied 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 Cheap Buick Enclave Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the data that was illustrated above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Consumers who want more liability protection will pay about $500 annually to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $420 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may pay on average $1,540 more annually than a low-risk driver

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.