Buick Enclave Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

Average insurance prices for a Buick Enclave are $1,354 every 12 months for full coverage insurance. Comprehensive insurance costs on average $270, collision insurance costs $474, and liability costs $452. Liability-only coverage costs as little as $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 by individual coverage type:

Comprehensive $270
Collision $474
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Enclave models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $504 for a discount liability-only rate to the much higher price of $2,934 for high-risk insurance.

Liability Only $504
Full Coverage $1,354
High Risk $2,934

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

These examples illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using averaged prices.

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.

Rates by State, City, and Model

The chart below illustrates average Buick Enclave insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $782
  • Drivers who choose higher $1,000 deductibles will pay around $168 each year
  • The average price for a 40-year-old driver with $500 deductibles is $1,354
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $328 every year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,934
  • The cost to insure a teen driver for full coverage may cost $5,144 a year

View Chart as Image

Buick Enclave insurance cost comparison chart
Column chart showing Buick Enclave insurance prices range from $782 to $5,144 for full coverage

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

Choosing higher comprehensive and collision insurance deductibles could save up to $500 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Buick Enclave insurance for high-risk drivers can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Buick Enclave insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,830 on average in Michigan, New York, and Florida.

Buick Enclave Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,040 -$314 -23.2%
Arizona $1,124 -$230 -17.0%
Arkansas $1,354 -$0 0.0%
California $1,542 $188 13.9%
Colorado $1,292 -$62 -4.6%
Connecticut $1,394 $40 3.0%
Delaware $1,532 $178 13.1%
Florida $1,694 $340 25.1%
Georgia $1,250 -$104 -7.7%
Hawaii $972 -$382 -28.2%
Idaho $918 -$436 -32.2%
Illinois $1,010 -$344 -25.4%
Indiana $1,020 -$334 -24.7%
Iowa $912 -$442 -32.6%
Kansas $1,286 -$68 -5.0%
Kentucky $1,848 $494 36.5%
Louisiana $2,004 $650 48.0%
Maine $834 -$520 -38.4%
Maryland $1,118 -$236 -17.4%
Massachusetts $1,084 -$270 -19.9%
Michigan $2,354 $1,000 73.9%
Minnesota $1,134 -$220 -16.2%
Mississippi $1,622 $268 19.8%
Missouri $1,202 -$152 -11.2%
Montana $1,454 $100 7.4%
Nebraska $1,070 -$284 -21.0%
Nevada $1,624 $270 19.9%
New Hampshire $976 -$378 -27.9%
New Jersey $1,514 $160 11.8%
New Mexico $1,200 -$154 -11.4%
New York $1,426 $72 5.3%
North Carolina $780 -$574 -42.4%
North Dakota $1,110 -$244 -18.0%
Ohio $936 -$418 -30.9%
Oklahoma $1,390 $36 2.7%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,228 -$126 -9.3%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,634 $280 20.7%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,046 -$308 -22.7%
West Virginia $1,240 -$114 -8.4%
Wisconsin $938 -$416 -30.7%
Wyoming $1,206 -$148 -10.9%

View Chart as Image

Buick Enclave insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Buick Enclave Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Buick Enclave CX 2WD $1,320 $110
Buick Enclave CX AWD $1,354 $113
Buick Enclave XL 2WD $1,354 $113
Buick Enclave XL AWD $1,392 $116

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.

Buick Enclave Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Buick Enclave $270 $474 $452 $1,354
2015 Buick Enclave $232 $368 $460 $1,218
2014 Buick Enclave $224 $346 $464 $1,192
2013 Buick Enclave $220 $322 $474 $1,174
2009 Buick Enclave $174 $226 $474 $1,032
2008 Buick Enclave $168 $202 $468 $996

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 More Affordable Buick Enclave Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the material that was illustrated above.

  • Policyholders who require higher liability limits will pay approximately $500 annually to go from a minimum limit to a 250/500 level
  • Teenagers are expensive to insure, costing up to $429 per month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,580 more each year for car insurance
  • Increasing deductibles could save as much as $500 each year

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.

Rates by Driver Age

Buick Enclave Insurance Rates by Driver Age
Driver Age Premium
16 $5,144
20 $3,124
30 $1,406
40 $1,354
50 $1,238
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Buick Enclave Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,682
$250 $1,530
$500 $1,354
$1,000 $1,186

Full coverage, driver age 40

Rates by Liability Limit

Buick Enclave Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,482
100/300 $1,595
250/500 $1,889
100 CSL $1,528
300 CSL $1,776
500 CSL $1,957

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Enclave Insurance Rates for High Risk Drivers
Age Premium
16 $7,326
20 $4,978
30 $2,990
40 $2,934
50 $2,802
60 $2,776

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.

SR-22 Surcharge $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $96
Total Discounts $572
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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