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 $1,354 a year for full coverage. Comprehensive insurance costs approximately $270, collision costs $474, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing $2,934 or more. Teens pay the highest rates at $5,144 a year or more.

Average premium for full coverage: $1,354

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Enclave models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

The ranges above show why everyone should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Buick Enclave insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $782
• Using higher $1,000 deductibles will save $168 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,354
• Selecting pricier low deductibles for physical damage coverage will cost an additional $328 annually
• High-risk insureds with serious driving violations could pay around $2,934 or more
• The price that insures a 16-year-old driver for full coverage can cost $5,144 or more

View Chart as Image

Car insurance prices for a Buick Enclave are also quite variable based on the model of your Enclave, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Buick Enclave insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

The state you live in has a huge impact on Buick Enclave insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $500 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each insurance company calculates prices differently, so rate quotes may be quite different.

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 More Affordable Buick Enclave Insurance

Getting lower rates on insurance for a Buick Enclave requires having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare rates at least every other year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,580 more per year than a driver with a clean driving record
• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $500 each year
• Insureds who purchase additional liability coverage will pay approximately $500 each year to increase from a low limit to the 250/500 level

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.