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 insurance prices for a Buick Enclave are $1,320 every 12 months for full coverage insurance. Comprehensive costs approximately $260 each year, collision costs $446, and liability coverage is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing around $2,858. Teen 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:

Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $767
• Raising to $1,000 deductibles will save $160 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,320
• Choosing low deductibles increases the price to $1,632
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,858 or more
• Policy cost to insure a teenage driver can cost $5,040

View Chart as Image

Car insurance rates for a Buick Enclave also range considerably based on liability limits and deductibles, your risk profile, and the model of your Enclave.

Choosing high deductibles can reduce rates by up to $480 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for More Affordable Buick Enclave Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a summary of the coverage data raised in the charts and tables above.

• It is possible to save around $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenage drivers pay the highest auto insurance rates, possibly costing $420 each month if the policy includes full coverage
• Drivers who have multiple accidents or major violations may have to pay on average $1,540 more per year for auto 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.