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 insurance costs an estimated $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. 16-year-old drivers cost the most to insure at up to $5,040 a year.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how location helps determine insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Buick Enclave insurance rates for other coverage scenarios.

• The best full coverage rate is $767
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,320
• Buying pricier low deductibles for comp and collision coverage costs an extra $312 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,858
• Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,040 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $480 annually, whereas buying more liability protection will increase premiums. Switching 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

A more mature 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 at least $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 $1,600 to $2,200 additional every year, depending on your age. Buick Enclave insurance for high-risk drivers ranges from 44% to 135% more than the average rate. 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 $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.

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 Affordable Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave takes being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the data that was covered in the charts and tables above.

• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Insureds who want more liability coverage will pay around $500 annually to raise limits from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, possibly costing $420 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,540 more annually to insure their Enclave

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.