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 with full coverage. Comprehensive insurance costs around $260, collision insurance costs $446, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,858 or more. Teen drivers cost the most to insure at up to $5,040 a year.

Average premium for full coverage: $1,320

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below details average Buick Enclave insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $767
• Choosing higher $1,000 deductibles can save about $160 annually
• The average price for a good driver age 40 using $500 deductibles is $1,320
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $312 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,858
• Policy cost to insure a 16-year-old driver with full coverage can be $5,040 each year

View Chart as Image

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

Choosing high deductibles can save as much as $480 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $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 may be forking out at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 135% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Buick Enclave insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

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 insurance for a Buick Enclave takes avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The list below is a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,540 more every year for car insurance
• Teenagers are charged the highest rates, as much as $420 each month if full coverage is included
• You may be able to save up to $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• You may be able to save up to $160 per year just by shopping early and online

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.