Buick Enclave Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Buick Enclave is cheaper to insure than the average SUV.
• Liability car insurance for an Enclave comes in at about $77 monthly, while full coverage typically runs around $139.
• At as low as just $35 per month for liability only coverage, NationalGeneral is the lowest auto insurance carrier for an Enclave.

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Enclave Overview

With a base price of $42,800 for new 2022 models, the Buick Enclave is a great mid-level option for any driver. With three different trim levels currently available, there's a style for every driver.

We ran through thousands of insurance quotes on Compare.com, and we've found that Buick Enclave car insurance rates run about $155 monthly, on average. But compared to other vehicles in the market, are Enclave insurance prices higher or lower than those of similar SUVs?

How Much is Car Insurance for a Buick Enclave?

Looking at the table above, you can see that Buick Enclave insurance premiums are below average compared to other vehicles. Enclave drivers can expect to pay around $139 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $77 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other models from Buick, the Enclave's insurance price is in line with the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, auto insurance for an Enclave is also more affordable, with liability only insurance prices coming in about $3 less and $12 less for full coverage.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what body style, make, or model they are.

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Who has the Cheapest Car Insurance for a Buick Enclave?

Looking for a car insurance policy for your Buick Enclave? You might be most interested in which company offers the cheapest prices. Although there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $32 a month from Aspire. The runner up for cheapest rates is Shelter Mutual, with car insurance policies starting as cheap as just $33 monthly.

Completing the top 5 companies are NationalGeneral, Clearcover, and Hugo. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since auto insurance companies look at a range of different factors when calculating premiums. By pulling quotes from a lot of insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Buick Enclave?

There are a whole range of attributes that car insurance companies consider to choose how much they charge for a policy -- and every company uses a different algorithm, so there's not one single carrier that's the lowest for everyone.

The sections below show numerous variables insurance carriers use to decide rates:

Vehicle Age

Buick has been making the Enclave for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Enclaves begin to depreciate, insurance costs will gradually go down.

According to the table above, the Buick Enclave is an outlier, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest Enclaves are 2 to 3 years old, on average.

Your Age

How old you are plays a big role in how much car insurance companies will charge for insurance. As you can see in the table above, older drivers have lower rates than teenage Enclave drivers. Buick Enclave drivers under 18 actually pay $15 more than those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Enclave.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Enclave drivers specifically, women pay around 4% less than men a month for auto insurance.

Where You Live

You're probably already aware that things such as what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live can have just as much as an impact? Insurance is regulated on a state-by-state basis, so prices fluctuate quite a bit depending on where you live.

For example, the average Buick Enclave owner from New York pays about $188 per month for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Buick Enclave Car Insurance Discounts

Whatever how old you are, which vehicle you drive, or what state you live in, it's always important to take advantage of as many insurance discounts as possible.

While no two auto insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-car discounts for adding more than one vehicle to your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

These are just a few of the discounts car insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving some cash:

Your Driving Record

You've no doubt heard ads from auto insurance companies promoting hefty discounts for good drivers. And you probably wouldn't be surprised that if you get into a collision or get tickets for speeding, car insurance prices will increase. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll notice that accidents will usually cost Enclave drivers less than tickets, but both will result in above average rates. Buick Enclave drivers with one accident on their record pay about $90 every month (up $13 from the $77/mo. overall average), while drivers with a single ticket will pay an average of $102 monthly. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Another variable you have control over is the total amount of miles you drive annually. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll normally get more affordable rates. Above, you can see that Buick Enclave owners who drive 10,000 miles or more pay $77 for insurance, while those who drive fewer than 2,500 miles a year pay about $72 a month.

If you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Buick Enclaves Compare to Other Vehicles?

If you're considering purchasing a Buick Enclave, you might be wondering how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering.

Check out the table below to see how the Buick Enclave compares:

Overall, the Buick Enclave has an average MSRP and is on par with the going rate for a new vehicle. The Enclave has a base price of $42,800, similar to the national average vehicle MSRP of $46,192.

Full coverage insurance for a Buick Enclave is around $34 per month more than average, while liability only coverage is over $20 less per month.

When it comes to usage, Buick Enclave drivers are much higher than the national average in annual miles driven, with 13,942 miles per year compared to 11,617 for all vehicles.

Buick Enclave Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much the average driver pays for auto insurance. But if you're thinking about buying a new vehicle and the Enclave is one you're considering, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

Choose Your Model

2022 Buick Enclave Car Insurance 2021 Buick Enclave Car Insurance 2020 Buick Enclave Car Insurance 2019 Buick Enclave Car Insurance 2018 Buick Enclave Car Insurance 2017 Buick Enclave Car Insurance 2016 Buick Enclave Car Insurance 2015 Buick Enclave Car Insurance 2014 Buick Enclave Car Insurance 2013 Buick Enclave Car Insurance 2012 Buick Enclave Car Insurance 2011 Buick Enclave Car Insurance 2010 Buick Enclave Car Insurance

2022 Buick Enclave Car Insurance

It costs about $59 monthly, on average, to insure a 2022 Buick Enclave for liability only and $203 a month for full coverage. And if you want the most affordable insurance possible, Aspire offers liability only policies for sometimes as low as $32 per month.

Even though it's great to know the average price drivers pay for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can compare quotes from multiple carriers at once, all for free. To get started, just enter your ZIP code below.

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2021 Buick Enclave Car Insurance

If you're looking to buy a 2021 Enclave or already own one, you can expect an average insurance premium of around $196 for full coverage or $84 for a liability only policy.

And if you're just looking for the lowest auto insurance for your Enclave, DirectGeneral offers liability only policies for as little as just $49 monthly.

What could your car insurance price look like? Enter your ZIP code below to get lots of free personalized quotes.

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2020 Buick Enclave Car Insurance

The average cost to insure a 2020 Enclave with liability only coverage is $49 per month, while full coverage runs about $160 a month.

With prices sometimes as little as $31 per month, Gainsco offered the cheapest policy we found for the 2020 Buick Enclave.

If you want to know exactly how much you can expect to pay for your Enclave, get free quotes in minutes by just entering your ZIP code below.

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2019 Buick Enclave Car Insurance

It costs around $91 monthly for liability or $187 for a full coverage policy for the 2019 Buick Enclave.

NationalGeneral offered the most affordable policy we found, with rates as little as $35 a month.

While these are good estimates of what the average driver might pay to insure a 2019 Buick Enclave, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2018 Buick Enclave Car Insurance

2018 Enclave drivers can expect to pay an average of $71 per month for liability or $156 for full coverage.

If you're looking for the most affordable 2018 Buick Enclave insurance policy, SafeAuto offered the lowest policy we found, with rates as low as $30 a month.

Interested in what your auto insurance rate could look like? Get a variety of free personalized quotes by just entering your ZIP code below.

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2017 Buick Enclave Car Insurance

On average, drivers who own a 2017 Buick Enclave can expect to pay $60 to $174 monthly for liability only and full coverage insurance, respectively.

With premiums sometimes as cheap as $37 per month, Gainsco offered the cheapest policy we found.

If you want to find the best prices for car insurance for a 2017 Buick Enclave, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Buick Enclave Car Insurance

You can expect full coverage for a 2016 Enclave to run about $136 monthly, while liability only coverage will average around $101 a month.

Looking for the most affordable policy? Clearcover offered liability only coverage for as cheap as $28 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 Buick Enclave Car Insurance

On average, drivers who own a 2015 Buick Enclave can expect to pay $57 to $129 a month for liability only and full coverage insurance, respectively.

We found Shelter Mutual offered the lowest policy, with rates sometimes as cheap as $21 per month.

These average premiums are a great starting point if you're in the market for a 2015 Buick Enclave, but there are a variety of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2014 Buick Enclave Car Insurance

The average cost to insure a 2014 Enclave with liability only coverage is $57 a month, while full coverage runs about $121 monthly.

Sun Coast has rates as low as just $18 per month for the 2014 Buick Enclave.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2013 Buick Enclave Car Insurance

It costs around $102 monthly for liability or $142 for a full coverage policy for the 2013 Buick Enclave.

We found Infinity offered the cheapest policy, with rates as little as just $18 a month.

Want to find the most affordable rates? Enter your ZIP code below to get several free customized quotes.

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2012 Buick Enclave Car Insurance

You can expect full coverage for a 2012 Enclave to run about $141 per month, while liability only coverage will average around $69 a month.

Mercury has premiums as cheap as just $22 monthly for the 2012 Buick Enclave.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Buick Enclave Car Insurance

2011 Buick Enclave drivers can expect to pay an average of $79 per month for liability or $142 for full coverage.

With prices as cheap as $23 monthly, Gainsco offered the cheapest policy we found for the 2011 Buick Enclave.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2010 Buick Enclave Car Insurance

It costs about $81 a month for liability or $131 for a full coverage policy for the 2010 Enclave.

Safeco offered the lowest policy we found, with rates as low as $22 per month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get a variety of free personalized quotes.

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Buick Enclave Insurance FAQs

Is a Buick Enclave expensive to insure?

Liability insurance runs an average of $77 monthly, while full coverage will cost you around $139. The Buick Enclave is relatively cheap to insure compared to the average SUV.

How can I get the best price on car insurance for my Buick Enclave?

The only way to ensure you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from quite a few companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Buick Enclave affect my insurance premiums?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are several factors insurance companies think about when they calculate how much you'll pay, but your Enclave's color is not on that list.

Do I need to have insurance before I buy a Buick Enclave?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Buick Enclave off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Buick Enclave?

There are all sorts of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Enclave has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their list of discounts, since they shift quite a bit from carrier to carrier.