Buick Enclave Car Insurance Cost for 2022

How much does Buick Enclave insurance cost? We compare rates from the base model up to the loaded Avenir trim to see how the Enclave ranks against other midsize SUVs.

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  • Buick Enclave car insurance costs around $1,562 per year, $781 for a 6-month policy, or $130 per month.
  • The base Enclave Essence trim level is the cheapest to insure at around $1,496 per year, or $125 per month.
  • The model with the most expensive insurance is the Enclave Avenir AWD at $1,636 per year, or around $136 per month.
  • Out of 29 vehicles in the 2022 midsize SUV segment, the Enclave ranks #19 for insurance affordability.

How much does Buick Enclave car insurance cost?

Buick Enclave insurance averages around $1,562 a year for full coverage. Depending on the trim level being insured, monthly car insurance cost for a 2022 Buick Enclave ranges from $125 to $136.

Overall, expect to pay around $18 more annually for Buick Enclave insurance when compared to the average rate for all midsize SUVs, and $5 less per year than the $1,567 average for all vehicles.

The following chart shows average annual car insurance cost for a 2022 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 2022 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 November 21, 2022
Buick Enclave Insurance Cost Summary
Buick Enclave Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,526$294
Safe Driver Age 20$3,090$258
At-fault Accidents Age 40$2,200$183
Low Deductibles Age 40$2,024$169
Safe Driver Age 30$1,646$137
Safe Driver Age 40$1,562$130
Safe Driver Age 50$1,422$119
Safe Driver Age 60$1,394$116
High Deductibles Age 40$1,324$110
Discount Rate Age 40$1,298$108

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 $17,760 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 $2,166 per year for a 20-year-old driver and even as much as $468 per year for a 60-year-old driver.
  • Raising physical damage deductibles lowers cost. Increasing deductibles from $500 to $1,000 could save around $238 per year for a 40-year-old driver and $460 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Lowering deductibles from $500 to $250 could cost an additional $248 per year for a 40-year-old driver and $488 per year for a 20-year-old driver.
  • The cost to insure teen drivers is expensive. Average rates for full coverage Enclave insurance costs $5,582 per year for a 16-year-old driver, $5,208 per year for a 17-year-old driver, and $4,862 per year for a 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 $408 per year. Serious citations like DUI or reckless driving could raise rates by an additional $1,422 or more.
  • As driver age increases, insurance rates tend to go down. The difference in insurance rates for a 2022 Buick Enclave between a 50-year-old driver ($1,422 per year) and a 20-year-old driver ($3,090 per year) is $1,668, or a savings of 54%.
  • 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 $1,822 or more per year.
  • Gender affects car insurance rates. For a 2022 Buick Enclave, a 20-year-old male pays an average rate of $3,090 per year, while a 20-year-old woman pays an estimated $2,302, a difference of $788 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,422 and rates for female drivers are $1,394, a difference of only $28.

What is the cheapest Buick Enclave insurance?

With Buick Enclave car insurance rates ranging from $1,496 to $1,636 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 $1,504 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 $1,590 to  $1,636 per year.

At a minimum, plan on budgeting around $125 per month to insure a 2022 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.

2022 Buick Enclave Insurance Cost by Trim Level
Buick Enclave Trim Level Annual Policy 6-month Policy Per Month
Essence$1,496$748$125
Essence AWD$1,504$752$125
Premium$1,542$771$129
Premium AWD$1,590$795$133
Avenir$1,604$802$134
Avenir AWD$1,636$818$136

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 November 21, 2022
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 $118 less per year than the Jeep Grand Cherokee, $28 more than the Toyota Highlander, $128 more than the Ford Explorer, and $130 less than the Jeep Cherokee.

The Buick Enclave ranks #19 out of 29 comparison vehicles in the midsize SUV segment for the 2022 model year. The Enclave costs an average of $1,562 per year for full coverage insurance and the class average is $1,544 annually, a difference of $18 per year.

When the Enclave is compared to all other vehicles, not just it’s competitors in the midsize SUV category, insurance costs 0.3% less on an Enclave than the national average car insurance rate of $1,567 per year.

The table below ranks average car insurance cost for all 29 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$1,224-$338
2Subaru Ascent$1,310-$252
3Ford Edge$1,374-$188
4Subaru Outback$1,398-$164
5Nissan Murano$1,416-$146
6Toyota Venza$1,424-$138
7Ford Explorer$1,434-$128
8Kia Sorento$1,444-$118
9Hyundai Palisade$1,462-$100
10Volkswagen Atlas$1,472-$90
11Toyota 4Runner$1,488-$74
12Volkswagen Atlas Cross Sport$1,528-$34
13Mazda CX-9$1,530-$32
14GMC Acadia$1,532-$30
15Toyota Highlander$1,534-$28
16Nissan Pathfinder$1,540-$22
17Honda Pilot$1,546-$16
18Mitsubishi Outlander Sport$1,548-$14
19Buick Enclave$1,562--
20Chevrolet Traverse$1,568$6
21Hyundai Santa Fe$1,590$28
22Kia Telluride$1,596$34
23Chevrolet Blazer$1,610$48
24Jeep Grand Cherokee$1,680$118
25Jeep Cherokee$1,692$130
26Mitsubishi Outlander PHEV$1,768$206
27Dodge Durango$1,788$226
28Tesla Model Y$1,804$242
29Rivian R1S$1,902$340

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 21, 2022
Insurance Cost Comparison: Buick Enclave vs Midsize SUVs

Are newer Enclave models more expensive to insure?

In general, expect higher insurance cost for newer Enclave models. A 2022 Enclave costs an estimated $1,562 per year for insurance, while a 2013 model costs around $1,320, a difference of $242 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 2022 model years.

Buick Enclave Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Buick Enclave$1,562$781$130
2021 Buick Enclave$1,418$709$118
2020 Buick Enclave$1,392$696$116
2019 Buick Enclave$1,488$744$124
2018 Buick Enclave$1,458$729$122
2017 Buick Enclave$1,392$696$116
2016 Buick Enclave$1,342$671$112
2015 Buick Enclave$1,328$664$111
2014 Buick Enclave$1,380$690$115
2013 Buick Enclave$1,320$660$110

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 November 21, 2022
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 $708 per year, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.