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 auto insurance rates for a Buick Enclave are $1,320 annually including full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $446, and liability insurance is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $2,858 or more. Teenage drivers receive the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

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

These examples highlight why it is important to compare rates quotes using their 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 breaks down estimated Buick Enclave insurance rates for additional coverage and risk scenarios.

• The best discount rate is $767
• Raising to $1,000 deductibles will save $1,160 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,320
• Using low $100 deductibles costs an additional $312 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,858 or more
• The cost with full coverage for a teen driver can cost $5,040

View Chart as Image

Car insurance rates for a Buick Enclave can also vary considerably based on the trim level of your Enclave, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $480 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 the Right Buick Enclave Insurance

Saving money on Buick Enclave insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The points below are a quick rundown of the ideas that were covered above.

• Drivers under the age of 20 pay the highest auto insurance rates, as much as $420 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,540 more per year to insure a Buick Enclave
• Increasing deductibles could save up to $475 each year
• You may be able to save around $160 per year simply by quoting early and online

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.