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 including full coverage. Comprehensive costs on average $260 a year, collision costs $446, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $2,858. 16-year-old drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

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

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

Additional Rate Details

The chart below breaks down estimated Buick Enclave insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $767
• Drivers who choose higher $1,000 deductibles will pay around $1,160 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,320
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,632
• High risk drivers with multiple tickets or accidents could pay upwards of $2,858 or more
• Policy cost with full coverage for a teen driver may cost $5,040 a year

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 likely paying at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Buick Enclave insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied 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 Best Cheap Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick review of the material that was touched on in this article.

• Drivers who require more liability coverage will pay around $500 per year to go from a 30/60 limit to higher 250/500 limits
• Teen drivers pay higher rates, with premiums being up to $420 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation pay on average $1,540 more each year to insure their Enclave
• Increasing comprehensive and collision deductibles could save up to $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.