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 for full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $446, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,858 or more. Teens 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:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $767
• Raising to $1,000 deductibles will save $160 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,320
• Selecting low deductibles costs an additional $312 annually
• Drivers with serious driving violations could pay around $2,858 or more
• Policy cost with full coverage for a 16-year-old driver can cost $5,040

View Chart as Image

Auto insurance rates for a Buick Enclave also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark 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 could be paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and quoted 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 Right Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the ideas that were touched on in the above illustrations.

• Teenagers have the highest car insurance rates, costing up to $420 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,540 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers can save around $160 per year simply by quoting online in advance

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.