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 costs approximately $270 a year, collision insurance costs $474, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $2,934. Teenage drivers cost the most to insure at up to $5,144 a year.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and risk profile, rather than relying 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 and risk scenarios.

• The best discount rate is $782
• Using higher $1,000 deductibles will save $1,186 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,354
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,682
• Drivers who are prone to accidents and violations could pay around $2,934
• Policy cost for full coverage for a teen driver can cost $5,144 or more

View Chart as Image

Insurance rates for a Buick Enclave also range considerably based on your risk profile, the model of your Enclave, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state has a huge impact on Buick Enclave insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,930 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $500 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

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 Affordable Buick Enclave Insurance

Finding cheaper rates on Buick Enclave insurance requires being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief review of the concepts that were covered above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,580 more per year than a low-risk driver
• Youthful drivers are expensive to insure, with premiums being up to $429 each month for full coverage
• You may be able to save around $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• You may be able to save around $160 per year just by quoting 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.