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 auto insurance rates for a Buick Enclave are $1,320 annually for full coverage. Comprehensive insurance costs an estimated $260, collision costs $446, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage 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 broken down by individual coverage type:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Buick Enclave insurance rates for other coverage scenarios.

• The best discount rate is $767
• Raising to $1,000 deductibles will save approximately $160 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,320
• Using more expensive low deductibles costs an additional $312 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,858 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $5,040

View Chart as Image

Car insurance rates for a Buick Enclave can also vary considerably based on the trim level of your Enclave, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy Low Cost Buick Enclave Insurance

Saving money on car insurance consists of avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a review of the concepts that were covered in the above illustrations.

• Higher risk drivers who have several accidents or serious violations may pay on average $1,540 more annually to insure a Buick Enclave
• Drivers under the age of 20 have the highest car insurance rates, costing as high as $420 per month if comprehensive and collision insurance is included
• Drivers can save approximately $160 per year simply by shopping early and online
• Increasing deductibles could save up to $475 each year
• Drivers can save approximately $160 per year simply 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.