Buick Enclave Car Insurance Cost for 2023

Does a Buick Enclave have cheap car insurance rates?

We compared average policy premiums for the Essence model up to the Avenir AWD trim to look at how Enclave insurance rates size up to the entire 2023 midsize SUV segment.

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  • Buick Enclave car insurance costs around $1,748 per year, $874 for a 6-month policy, or $146 per month.
  • The base Enclave Essence trim level is the cheapest to insure at around $1,656 per year, or $138 per month.
  • The model with the most expensive insurance is the Enclave Avenir AWD at $1,826 per year, or around $152 per month.
  • Out of 31 vehicles in the 2023 midsize SUV segment, the Enclave ranks 16th for insurance affordability.

How much does Buick Enclave car insurance cost?

Buick Enclave insurance averages around $1,748 a year for full coverage. Depending on the trim level being insured, monthly car insurance cost for a 2023 Buick Enclave ranges from $138 to $152.

Overall, expect to pay around $22 less annually for Buick Enclave insurance when compared to the average rate for all midsize SUVs, and $20 more per year than the $1,728 average for all vehicles.

The following chart shows the average annual car insurance cost for a 2023 Buick Enclave using some common driver age and risk scenarios.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Buick Enclave with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Buick Enclave trim levels.Data last updated on August 11, 2023
Buick Enclave Insurance Cost Summary
2023 Buick Enclave Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,940$328
Safe Driver Age 20$3,454$288
At-fault Accidents Age 40$2,462$205
Low Deductibles Age 40$2,260$188
Safe Driver Age 30$1,834$153
Safe Driver Age 40$1,748$146
Safe Driver Age 50$1,592$133
Safe Driver Age 60$1,558$130
High Deductibles Age 40$1,482$124
Discount Rate Age 40$1,450$121

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 $14,516 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 $2,416 per year for a 20-year-old driver and even as much as $520 per year for a 60-year-old driver.
  • Raising physical damage deductibles lowers costs. Increasing deductibles from $500 to $1,000 could save around $266 per year for a 40-year-old driver and $510 per year for a 20-year-old driver.
  • Low physical damage deductibles increase costs. Lowering deductibles from $500 to $250 could cost an additional $276 per year for a 40-year-old driver and $538 per year for a 20-year-old driver.
  • The cost to insure teen drivers is expensive. Average rates for full coverage Enclave insurance costs $6,250 per year for a 16-year-old driver, $5,826 per year for a 17-year-old driver, and $5,440 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 $456 per year. Serious citations like DUI or reckless driving could raise rates by an additional $1,584 or more.
  • As driver age increases, insurance rates tend to go down. The difference in insurance rates for a 2023 Buick Enclave between a 50-year-old driver ($1,592 per year) and a 20-year-old driver ($3,454 per year) is $1,862, or a savings of 73.8%.
  • 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 $2,032 or more per year.
  • Gender affects car insurance rates. For a 2023 Buick Enclave, a 20-year-old male pays an average rate of $3,454 per year, while a 20-year-old woman pays an estimated $2,574, a difference of $880 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,592 and rates for female drivers are $1,558, a difference of only $34.

What is the cheapest Buick Enclave insurance?

With Buick Enclave car insurance rates ranging from $1,656 to $1,826 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 $1,684 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 $1,772 to  $1,826 per year.

At a minimum, plan on budgeting around $138 per month to insure a 2023 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.

2023 Buick Enclave Insurance Cost by Trim Level
Buick Enclave Trim Level Annual Policy Six-Month Policy Per Month
Essence$1,656$828$138
Essence AWD$1,684$842$140
Premium$1,748$874$146
Premium AWD$1,772$886$148
Avenir$1,804$902$150
Avenir AWD$1,826$913$152

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Buick Enclave, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Buick Enclave Insurance Cost by Trim Level

How does Enclave insurance cost compare?

When compared directly to the most popular models in the midsize SUV segment, insurance for a Buick Enclave costs $178 less per year than the Jeep Grand Cherokee, $58 less than the Toyota Highlander, $206 more than the Ford Explorer, and $220 less than the Jeep Cherokee.

The Buick Enclave ranks 16th out of 31 comparison vehicles in the midsize SUV segment for the 2023 model year. The Enclave costs an average of $1,748 per year for full coverage insurance and the class average is $1,770 annually, a difference of $22 per year.

When the Enclave is compared to all other vehicles, not just its competitors in the midsize SUV category, insurance costs 1.2% more on an Enclave than the national average car insurance rate of $1,728 per year.

The table below ranks the average car insurance cost for all 31 vehicles in the midsize SUV class. It also shows the difference in insurance cost between each model and the Buick Enclave.

Insurance Cost Comparison: Buick Enclave vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,404-$344
2Subaru Ascent$1,472-$276
3Ford Edge$1,534-$214
4Ford Explorer$1,542-$206
5Volkswagen Atlas$1,546-$202
6Nissan Murano$1,554-$194
7Subaru Outback$1,558-$190
8Volkswagen Atlas Cross Sport$1,616-$132
9Toyota Venza$1,650-$98
10Kia Sorento$1,660-$88
11Hyundai Palisade$1,680-$68
12Toyota 4Runner$1,696-$52
13GMC Acadia$1,726-$22
14Chevrolet Traverse$1,730-$18
15Honda Pilot$1,742-$6
16Buick Enclave$1,748--
17Nissan Pathfinder$1,760$12
18Mazda CX-9$1,762$14
19Mitsubishi Outlander Sport$1,790$42
20Kia Telluride$1,798$50
21Toyota Highlander$1,806$58
22Chevrolet Blazer$1,836$88
23Hyundai Santa Fe$1,858$110
24Jeep Grand Cherokee$1,926$178
25Jeep Cherokee$1,968$220
26Jeep Wrangler$2,008$260
27Ford Bronco$2,014$266
28Tesla Model Y$2,026$278
29Mitsubishi Outlander PHEV$2,072$324
30Dodge Durango$2,158$410
31Rivian R1S$2,216$468

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Insurance Cost Comparison: Buick Enclave vs Midsize SUVs

Are newer Enclave models more expensive to insure?

In general, expect higher insurance costs for newer Enclave models. A 2023 Enclave costs an estimated $1,748 per year for insurance, while a 2013 model costs around $1,460, a difference of $288 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 2023 model years.

Buick Enclave Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Buick Enclave$1,748$874$146
2022 Buick Enclave$1,744$872$145
2021 Buick Enclave$1,586$793$132
2020 Buick Enclave$1,562$781$130
2019 Buick Enclave$1,662$831$139
2018 Buick Enclave$1,626$813$136
2017 Buick Enclave$1,536$768$128
2016 Buick Enclave$1,488$744$124
2015 Buick Enclave$1,444$722$120
2014 Buick Enclave$1,516$758$126
2013 Buick Enclave$1,460$730$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Buick Enclave Insurance Cost by Model Year

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 $766 per year, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.