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 rates for a Buick Enclave are $1,320 a year including full coverage. Comprehensive insurance costs around $260 each year, collision insurance costs $446, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $2,858 or more. Teenage 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:

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. 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 the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $767
• Raising to $1,000 deductibles will save about $160 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,320
• Using low deductibles will cost an additional $312 annually
• Drivers who are prone to accidents and violations could pay at least $2,858
• Policy cost that insures a 16-year-old driver can be $5,040

View Chart as Image

Car insurance rates for a Buick Enclave also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

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

More mature drivers with no driving violations and higher comprehensive and collision 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, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Right Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave consists of being a good driver, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the data covered above.

• Insureds who may need an increased level of liability coverage will pay an extra $500 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save up to $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $420 each month if full coverage is purchased

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.