Buick Enclave Insurance Rates
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UPDATED: Nov 25, 2019
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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.
The average insurance prices for a Buick Enclave are $1,394 every 12 months for full coverage. Comprehensive insurance costs around $282 a year, collision insurance costs $512, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $3,022 or more. Teenage drivers cost the most to insure at up to $5,264 a year.
Average premium for full coverage: $1,394
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Enclave trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Buick Enclave insurance rates range from the cheapest price of $496 for just the minimum liability insurance to a high of $3,022 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.
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 Analysis
The chart below shows average Buick Enclave insurance rates for additional coverage choices and driver risks.
- The best discount rate is $802
- Using higher $1,000 deductibles will save about $1,212 a year
- The average price for a good driver age 40 using $500 deductibles is $1,394
- Using low $100 deductibles for physical damage coverage costs an extra $348 every year
- Drivers who are prone to accidents and violations could pay at least $3,022
- Policy cost to insure a teen driver can be $5,264 or more
Auto insurance rates for a Buick Enclave also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $530 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $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 least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Buick Enclave insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Buick Enclave CX 2WD||$1,354||$113|
|Buick Enclave CX AWD||$1,394||$116|
|Buick Enclave XL 2WD||$1,394||$116|
|Buick Enclave XL AWD||$1,430||$119|
Rates assume 2018 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|
|2018 Buick Enclave||$282||$512||$442||$1,394|
|2015 Buick Enclave||$248||$400||$460||$1,266|
|2014 Buick Enclave||$232||$368||$460||$1,218|
|2013 Buick Enclave||$224||$346||$464||$1,192|
|2009 Buick Enclave||$184||$248||$474||$1,064|
|2008 Buick Enclave||$174||$226||$474||$1,032|
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 the Best Cheap Buick Enclave Insurance
Finding cheaper rates on car insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The points below are a quick review of the ideas that were raised in the charts and tables above.
- Drivers under the age of 20 are expensive to insure, costing up to $439 each month if comprehensive and collision insurance is included
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,630 more every year to insure a Buick Enclave
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- Drivers can save up to $170 per year just by quoting early and online
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$102|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.
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