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.

U.S. average insurance rates for a Buick Enclave are $1,320 a year for full coverage. Comprehensive insurance costs around $260 a year, collision costs $446, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,858 or more. Teen drivers pay the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Enclave trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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 rate for the average middle-age driver using $500 deductibles is $1,320
• Choosing low $100 deductibles will cost an extra $312 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,858 or more
• The price for full coverage for a teen driver can be $5,040

View Chart as Image

Car insurance prices for a Buick Enclave are also quite variable based on your driving record, the trim level of your Enclave, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

The state you live in also has a big influence on Buick Enclave insurance prices. A middle-age driver might find prices 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

Choosing high deductibles can reduce prices by up to $480 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

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 Low Cost Buick Enclave Insurance

Getting lower rates on car insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following items are a review of the material that was covered above.

• Policyholders who may need additional liability coverage will pay about $500 each year to raise from a low limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $420 a month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,540 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $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.