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 insurance. Comprehensive insurance costs around $260 each year, collision costs $446, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing $2,858 or more. 16-year-old drivers pay the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Enclave models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.

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

The ranges above illustrate why all drivers should get quotes for a specific zip code and risk profile, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $767
• Choosing higher $1,000 deductibles can save about $160 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,320
• Buying low deductibles for comp and collision coverage will cost an extra $312 each year
• Drivers with multiple tickets or accidents could pay at least $2,858 or more
• The price for full coverage for a teenage driver can be $5,040 each year

View Chart as Image

Insurance prices for a Buick Enclave are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Buick Enclave insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $480 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices 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 Affordable Buick Enclave Insurance

Getting lower rates on auto insurance takes being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions may pay on average $1,540 more every year than a safer driver
• It is possible to save up to $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $475 each year
• Consumers who may need an increased level of liability coverage will pay around $500 annually to raise limits from a low limit to 250/500 limits

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.