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 $1,394 every 12 months for full coverage. Comprehensive insurance costs on average $282, collision costs $512, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $3,022 or more. Teens cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,394

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.

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

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $802
• Drivers who choose higher $1,000 deductibles will pay around $182 a year
• The average price for a good driver age 40 with $500 deductibles is $1,394
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $348 annually
• Drivers with serious driving violations could pay upwards of $3,022 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,264 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $530 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Buick Enclave insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every company calculates rates differently, so the 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 Shop for the Cheapest Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at least every other year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,630 more each year to insure their Enclave
• Drivers can save as much as $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Insureds who require more liability coverage will pay approximately $490 each year to go from a 30/60 limit to a 250/500 level

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.