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 prices for a Buick Enclave are $1,320 every 12 months with full coverage. Comprehensive costs an estimated $260, collision costs $446, and liability is $456. Buying just liability costs around $508 a year, with insurance 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 broken down by individual coverage type:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 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 can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Buick Enclave insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $767
• Raising to $1,000 deductibles will save approximately $160 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,320
• Selecting more expensive low deductibles increases the price to $1,632
• At-risk drivers with serious driving violations could pay up to $2,858 or more
• The cost to insure a teen driver with full coverage can cost as much as $5,040

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted 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 Shop for Cheaper Buick Enclave Insurance

Saving money on car insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,540 more annually for auto insurance
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing deductibles could save as much as $475 each year
• Policyholders who want higher levels of liability will pay approximately $500 every year to raise from a minimum 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.

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.