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.

Average insurance rates for a Buick Enclave are $1,320 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $446, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $2,858 or more. Teenage drivers receive the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,320

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $767
• Choosing higher $1,000 deductibles can save $160 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,320
• Using more expensive low deductibles for comp and collision coverage will cost an additional $312 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,858 or more
• The cost that insures a 16-year-old driver with full coverage can cost $5,040 each year

View Chart as Image

Auto insurance rates for a Buick Enclave can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance ranges from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $480 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly 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 the Best Cheap Buick Enclave Insurance

Saving money on insurance for a Buick Enclave takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a quick review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,540 more per year to insure a Buick Enclave
• You may be able to save around $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $475 each year
• Insureds who purchase increased liability limits will pay an extra $500 every year to raise limits from a minimum 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.