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.

Estimated auto insurance rates for a Buick Enclave are $1,394 annually for full coverage insurance. Comprehensive insurance costs approximately $282 a year, collision costs $512, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $3,022 or more. Teens pay the most at $5,264 a year or more.

Average premium for full coverage: $1,394

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Enclave trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Buick Enclave insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $802
• Raising to $1,000 deductibles will save $1,212 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,394
• Selecting low $100 deductibles costs an additional $348 annually
• Drivers with serious driving violations could pay around $3,022 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $5,264

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $530 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Buick Enclave insurance prices. A middle-age driver might find prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,880 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the prices will be substantially different between companies.

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 Low Cost Buick Enclave Insurance

Finding better rates on insurance for a Buick Enclave consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a review of the data that was raised in the charts and tables above.

• It is possible to save around $170 per year simply by quoting early and online
• Insureds who purchase more liability coverage will pay approximately $490 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $439 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,630 more per year to insure their Enclave

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.