Buick Enclave Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 7, 2024
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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.
U.S. average insurance prices for a Buick Enclave are $1,354 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $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. 16-year-old drivers pay the highest rates at $5,144 a year or more.
Average premium for full coverage: $1,354
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Enclave models.
Price Range from Low to High
Using a middle-aged driver as an example, Buick Enclave insurance prices go from the cheapest price of $504 for the bare minimum liability coverage to the much higher price of $2,934 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities.
The example below illustrates how where you live affects insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Buick Enclave insurance rates for other coverage scenarios.
- The best full coverage rate is $782
- Raising to $1,000 deductibles will save approximately $168 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,354
- Buying pricier low deductibles costs an extra $328 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,934 or more
- The price to insure a teenage driver for full coverage can cost as much as $5,144
Auto insurance prices for a Buick Enclave are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $500 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium each 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 rate. View High Risk Driver Rates
The state you live in also has a big influence on Buick Enclave insurance rates. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,830 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$130 | -9.6% |
| Alaska | $1,040 | -$314 | -23.2% |
| Arizona | $1,124 | -$230 | -17.0% |
| Arkansas | $1,354 | -$0 | 0.0% |
| California | $1,542 | $188 | 13.9% |
| Colorado | $1,292 | -$62 | -4.6% |
| Connecticut | $1,394 | $40 | 3.0% |
| Delaware | $1,532 | $178 | 13.1% |
| Florida | $1,694 | $340 | 25.1% |
| Georgia | $1,250 | -$104 | -7.7% |
| Hawaii | $972 | -$382 | -28.2% |
| Idaho | $918 | -$436 | -32.2% |
| Illinois | $1,010 | -$344 | -25.4% |
| Indiana | $1,020 | -$334 | -24.7% |
| Iowa | $912 | -$442 | -32.6% |
| Kansas | $1,286 | -$68 | -5.0% |
| Kentucky | $1,848 | $494 | 36.5% |
| Louisiana | $2,004 | $650 | 48.0% |
| Maine | $834 | -$520 | -38.4% |
| Maryland | $1,118 | -$236 | -17.4% |
| Massachusetts | $1,084 | -$270 | -19.9% |
| Michigan | $2,354 | $1,000 | 73.9% |
| Minnesota | $1,134 | -$220 | -16.2% |
| Mississippi | $1,622 | $268 | 19.8% |
| Missouri | $1,202 | -$152 | -11.2% |
| Montana | $1,454 | $100 | 7.4% |
| Nebraska | $1,070 | -$284 | -21.0% |
| Nevada | $1,624 | $270 | 19.9% |
| New Hampshire | $976 | -$378 | -27.9% |
| New Jersey | $1,514 | $160 | 11.8% |
| New Mexico | $1,200 | -$154 | -11.4% |
| New York | $1,426 | $72 | 5.3% |
| North Carolina | $780 | -$574 | -42.4% |
| North Dakota | $1,110 | -$244 | -18.0% |
| Ohio | $936 | -$418 | -30.9% |
| Oklahoma | $1,390 | $36 | 2.7% |
| Oregon | $1,240 | -$114 | -8.4% |
| Pennsylvania | $1,292 | -$62 | -4.6% |
| Rhode Island | $1,806 | $452 | 33.4% |
| South Carolina | $1,228 | -$126 | -9.3% |
| South Dakota | $1,142 | -$212 | -15.7% |
| Tennessee | $1,186 | -$168 | -12.4% |
| Texas | $1,634 | $280 | 20.7% |
| Utah | $1,002 | -$352 | -26.0% |
| Vermont | $926 | -$428 | -31.6% |
| Virginia | $810 | -$544 | -40.2% |
| Washington | $1,046 | -$308 | -22.7% |
| West Virginia | $1,240 | -$114 | -8.4% |
| Wisconsin | $938 | -$416 | -30.7% |
| Wyoming | $1,206 | -$148 | -10.9% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Buick Enclave CX 2WD | $1,320 | $110 |
| Buick Enclave CX AWD | $1,354 | $113 |
| Buick Enclave XL 2WD | $1,354 | $113 |
| Buick Enclave XL AWD | $1,392 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Buick Enclave | $332 | $570 | $390 | $1,450 |
| 2023 Buick Enclave | $320 | $566 | $398 | $1,442 |
| 2022 Buick Enclave | $308 | $552 | $416 | $1,434 |
| 2021 Buick Enclave | $298 | $530 | $430 | $1,416 |
| 2020 Buick Enclave | $282 | $512 | $442 | $1,394 |
| 2019 Buick Enclave | $270 | $474 | $452 | $1,354 |
| 2018 Buick Enclave | $260 | $446 | $456 | $1,320 |
| 2016 Buick Enclave | $232 | $368 | $460 | $1,218 |
| 2015 Buick Enclave | $224 | $346 | $464 | $1,192 |
| 2014 Buick Enclave | $220 | $322 | $474 | $1,174 |
| 2013 Buick Enclave | $202 | $300 | $474 | $1,134 |
| 2009 Buick Enclave | $168 | $202 | $468 | $996 |
| 2008 Buick Enclave | $166 | $198 | $460 | $982 |
Rates are averaged for all Buick Enclave models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Buick Enclave Insurance
Getting lower rates on auto insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief review of the concepts that were touched on in the above illustrations.
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,580 more annually than a low-risk driver
- Youthful drivers are the costliest to insure, as much as $429 a month if comprehensive and collision insurance is included
- It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $500 each year
- It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,144 |
| 20 | $3,124 |
| 30 | $1,406 |
| 40 | $1,354 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,530 |
| $500 | $1,354 |
| $1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,354 |
| 50/100 | $1,482 |
| 100/300 | $1,595 |
| 250/500 | $1,889 |
| 100 CSL | $1,528 |
| 300 CSL | $1,776 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,326 |
| 20 | $4,978 |
| 30 | $2,990 |
| 40 | $2,934 |
| 50 | $2,802 |
| 60 | $2,776 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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