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 insurance rates for a Buick Enclave are $1,320 a year for full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,858 or more. 16-year-old drivers receive the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Rate estimates for individual coverage type:

Includes $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate 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 best full coverage rate is $767
• Drivers who choose higher $1,000 deductibles will pay about $160 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,320
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $312 annually
• Drivers with multiple tickets or accidents could pay at least $2,858 or more
• The cost for full coverage for a 16-year-old driver with full coverage can be $5,040 a year

View Chart as Image

Insurance rates for a Buick Enclave can also vary considerably based on your driver profile, the trim level of your Enclave, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Where you live makes a big difference in Buick Enclave insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly 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 the Cheapest Buick Enclave Insurance

Saving money on insurance for a Buick Enclave not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around once a year by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following is a recap of the data that was raised in the charts and tables above.

• Drivers can save up to $160 per year simply by shopping early and online
• Insureds who may need higher liability limits will pay around $500 each year to go from a minimum limit to 250/500 limits
• Teens pay higher rates, costing as high as $420 per month for full coverage
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,540 more every year for Enclave insurance

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.