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 $1,320 a year with full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $446, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $2,858 or more. 16-year-old drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Enclave models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $767
• Raising to $1,000 deductibles will save approximately $160 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,320
• Buying low deductibles will cost an extra $312 annually
• Drivers with multiple tickets or accidents could pay up to $2,858 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $5,040

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 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 may be forking out $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 the Best Buick Enclave Insurance

Finding cheaper rates on insurance for a Buick Enclave consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $160 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,540 more annually for Enclave insurance
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teens are charged the highest rates, as much as $420 each month for full coverage

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.