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 $1,354 a year including full coverage. Comprehensive insurance costs on average $270, collision costs $474, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,934 or more. Teens cost the most to insure at $5,144 a year or more.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Buick Enclave insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $782
• Raising to $1,000 deductibles will save around $168 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,354
• Selecting pricier low deductibles will cost an additional $328 each year
• Unlucky drivers with serious driving violations could pay upwards of $2,934 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,144

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on the model of your Enclave, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Buick Enclave insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state also has a big influence on Buick Enclave insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,930 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates 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 Find Low Cost Buick Enclave Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

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

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Consumers who require more liability coverage will pay approximately $500 per year to raise from a 30/60 limit to the 250/500 level
• Teen drivers pay higher rates, with premiums being up to $429 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations could be forced to pay on average $1,580 more each year 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.