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 prices for a Buick Enclave are $1,394 every 12 months for full coverage insurance. Comprehensive insurance costs on average $282, collision costs $512, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $3,022 or more. Teen drivers cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,394

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Enclave trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $802
• Raising to $1,000 deductibles will save around $182 each year
• The average price for a good driver age 40 with $500 deductibles is $1,394
• Choosing more expensive low deductibles costs an extra $348 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,022 or more
• Policy cost to insure a teen driver with full coverage may cost $5,264

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $530 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $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 are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than average. View High Risk Driver Rates

Your home state also has a big influence on Buick Enclave insurance prices. A middle-age driver might find rates as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,880 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for the Right Buick Enclave Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

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

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,630 more each year than a driver with a clean driving record
• It is possible to save as much as $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Policyholders who require additional liability coverage will pay about $490 annually to raise from a 30/60 limit to a 250/500 level

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.