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 prices for a Buick Enclave are $1,320 every 12 months for full coverage. Comprehensive insurance costs around $260 a year, collision costs $446, and liability insurance is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,858 or more. Teen drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Buick Enclave insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $767
• Raising to $1,000 deductibles will save about $1,160 a year
• The average price for a good driver age 40 using $500 deductibles is $1,320
• Choosing low $100 deductibles costs an extra $312 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,858 or more
• Policy cost to insure a teen driver can be $5,040

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $480 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.

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

Finding cheaper rates on Buick Enclave insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a condensed summary of the primary concepts that were covered in the above illustrations.

• Drivers can save up to $160 per year simply by quoting early and online
• High-risk drivers with multiple at-fault accidents may pay on average $1,540 more every year for Enclave insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teens are expensive to insure, costing up to $420 each month if comprehensive and collision insurance 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.