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 $1,354 annually including full coverage. Comprehensive insurance costs around $270 a year, collision insurance costs $474, and liability insurance is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs $2,934 or more. Teens receive the highest rates at up to $5,144 a year.

Average premium for full coverage: $1,354

Rate estimates for individual coverage type:

Prices include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Enclave trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Buick Enclave insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $782
• Raising to $1,000 deductibles will save about $1,186 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,354
• Selecting low $100 deductibles costs an additional $328 a year
• Higher-risk drivers with serious driving violations could pay at least $2,934
• The cost with full coverage for a teen driver can be $5,144

View Chart as Image

Car insurance rates for a Buick Enclave can also vary considerably based on the trim level of your Enclave, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 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 as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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

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 the Right Buick Enclave Insurance

Saving money on Buick Enclave insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a quick rundown of the car insurance concepts covered in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions may pay on average $1,580 more every year for Enclave insurance
• You may be able to save up to $160 per year just by quoting early and online
• Increasing deductibles could save up to $500 each year
• Drivers who may need higher liability limits will pay approximately $500 per year to raise from a minimum limit to higher 250/500 limits

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.