Buick Enclave Car Insurance Cost Comparisons: Find Out Where It Ranks

• Buick Enclave car insurance costs around $1,828 per year, $914 for a 6-month policy, or $152 per month.
• The base Enclave Essence trim level is the cheapest to insure at around $1,730 per year, or $144 per month.
• The model with the most expensive insurance is the Enclave Avenir AWD at $1,912 per year, or around $159 per month.
• Out of 34 vehicles in the 2024 midsize SUV segment, the Enclave ranks 16^th for insurance affordability.

How much does Buick Enclave car insurance cost?

Buick Enclave insurance averages around $1,828 a year for full coverage. Depending on the trim level being insured, monthly car insurance cost for a 2024 Buick Enclave ranges from $144 to $159.

Overall, expect to pay around $46 less annually for Buick Enclave insurance when compared to the average rate for all midsize SUVs, and $55 less per year than the $1,883 average for all vehicles.

The following chart shows the average annual car insurance cost for a 2024 Buick Enclave using some common driver age and risk scenarios.

In order to help you comprehend how much variability there is, consider that an Enclave insurance policy with only liability coverage in some parts of Ohio or Idaho costs as little as $247 a year.

For the same model year of Buick Enclave, a teenager with a tendency to speed in some zip codes in New Orleans, LA, could get an insurance bill for $14,899 a year for a policy with full coverage.

Additional rates and savings tips include:

• Drive safe and save. At-fault accidents raise insurance rates, possibly by an extra $2,582 per year for a 20-year-old driver and even as much as $444 per year for a 60-year-old driver.
• Raising physical damage deductibles lowers costs. Increasing deductibles from $500 to $1,000 could save around $280 per year for a 40-year-old driver and $542 per year for a 20-year-old driver.
• Low physical damage deductibles increase costs. Lowering deductibles from $500 to $250 could cost an additional $296 per year for a 40-year-old driver and $572 per year for a 20-year-old driver.
• The cost to insure teen drivers is expensive. Average rates for full coverage Enclave insurance costs $6,487 per year for a 16-year-old driver, $6,267 per year for a 17-year-old driver, and $5,590 per year for an 18-year-old driver.
• Driving violations increase insurance rates. It pays to avoid traffic citations if you want the cheapest rates. As a matter of fact, just one or two minor infractions on your motor vehicle report can increase the price of a policy by as much as $484 per year. Serious citations like DUI or reckless driving could raise rates by an additional $1,684 or more.
• As driver age increases, insurance rates tend to go down. The difference in insurance rates for a 2024 Buick Enclave between a 50-year-old driver ($1,628 per year) and a 20-year-old driver ($3,654 per year) is $2,026, or a savings of 76.7%.
• Enclave insurance is expensive for high-risk drivers. For a 50-year-old driver, having enough accidents and violations to require a high-risk insurance policy can potentially increase rates by $2,130 or more per year.
• Gender affects car insurance rates. For a 2024 Buick Enclave, a 20-year-old male pays an average rate of $3,654 per year, while a 20-year-old woman pays an estimated $2,638, a difference of $1,016 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,628 and rates for female drivers are $1,584, a difference of only $44.

What is the cheapest Buick Enclave insurance?

With Buick Enclave car insurance rates ranging from $1,730 to $1,912 annually on average, the cheapest model to insure is the base Enclave Essence model. The second cheapest model to insure is the Essence AWD at $1,760 per year.

On the opposite end of the cost spectrum, the three most expensive Enclave trim levels to insure are the Buick Enclave Premium AWD, the Avenir, and the Avenir AWD trim levels ranging from $1,852 to  $1,912 per year.

At a minimum, plan on budgeting around $144 per month to insure a 2024 Enclave for full coverage. Lower physical damage deductibles will cost more, whereas high deductibles will cost less each year. Older models

The rate table below details average car insurance rates for annual and semi-annual policy terms, in addition to a monthly budget amount, for each Buick Enclave package and trim level.

How does Enclave insurance cost compare?

When compared directly to a few of the more popular models in the midsize SUV segment, insurance for a Buick Enclave costs $272 less per year than the Tesla Model Y, $210 more per year than the Subaru Outback, $70 less per year than the Jeep Grand Cherokee, and $276 less per year than the Ford Bronco.

The Buick Enclave ranks 16^th out of 34 comparison vehicles in the midsize SUV segment for the 2024 model year. The Enclave costs an average of $1,828 per year for full coverage insurance and the class average is $1,874 annually, a difference of $46 per year.

When the Enclave is compared to all other vehicles, not just its competitors in the midsize SUV category, insurance costs 3% less on an Enclave than the national average car insurance rate of $1,883 per year.

The table below ranks the average car insurance cost for all 34 vehicles in the midsize SUV class. It also shows the difference in insurance cost between each model and the Buick Enclave.

Are newer Enclave models more expensive to insure?

In general, expect higher insurance costs for newer Enclave models. A 2024 Enclave costs an estimated $1,828 per year for insurance, while a 2013 model costs around $1,392, a difference of $436 per year. Older models have a lower replacement cost value which lowers the cost of insurance.

Occasionally, and the Enclave is one example, newer models have additional safety features or fare better in crash tests, which can actually result in a cheaper insurance rate on a newer model. This is primarily due to a lower liability and/or medical payments insurance cost, rather than a decrease in collision insurance cost.

The table below details estimated Buick Enclave insurance premiums for the 2013 through 2024 model years.

Eventually, every vehicle depreciates to the point where it just may not make good financial sense to keep paying for full coverage. The maximum amount of a claim settlement is the replacement cost or actual cash value of the vehicle. This value goes down every year, and at some point, the benefit of having full coverage is exceeded by the cost.

Eliminating physical damage insurance coverage on an older Buick Enclave could save in the ballpark of $776 per year, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.