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 insurance costs on average $260 a year, collision insurance costs $446, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,858 or more. Teenage drivers cost the most to insure at up to $5,040 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates average Buick Enclave insurance rates for different risk profiles and scenarios.

• The best discount rate is $767
• Using higher $1,000 deductibles will save around $1,160 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,320
• Using low $100 deductibles for physical damage coverage costs an additional $312 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,858
• Policy cost with full coverage for a teen driver may cost $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 policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $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 at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $480 each year, while buying higher liability limits will cost you more. 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

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 Cheap Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance requires having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the data touched on above.

• Drivers who require additional liability coverage will pay an extra $500 annually to increase from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $420 each month if full coverage 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.