Estimates, not quotes

Nissan Murano vs Buick Enclave Insurance Cost

The Nissan Murano is cheaper to insure by about $65 a year for full coverage by our estimate ($1,465 vs. $1,530), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageNissan MuranoBuick EnclaveDifference
State minimum$565$605−$40
Standard (100/300/100)$820$880−$60
Full coverage$1,465$1,530−$65

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Murano minus Enclave.

Why one costs more to insure

FactorNissan MuranoBuick Enclave
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, HybridGasoline
HLDI collision (100 = avg)9097
HLDI comprehensive9082
HLDI property damage liability84108
HLDI bodily injury liability10195
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)21

Collision losses are the biggest swing factor: the Buick Enclave has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Murano vs Enclave insurance by state

StateMuranoEnclaveDifference
Alabama$1,275$1,330−$55
Alaska$1,280$1,345−$65
Arizona$1,535$1,605−$70
Arkansas$1,290$1,345−$55
California$1,430$1,505−$75
Colorado$1,670$1,725−$55
Connecticut$1,550$1,635−$85
Delaware$1,630$1,715−$85
District of Columbia$1,840$1,935−$95
Florida$2,085$2,195−$110
Georgia$1,805$1,900−$95
Hawaii$1,005$1,060−$55
Idaho$995$1,040−$45
Illinois$1,270$1,325−$55
Indiana$1,040$1,085−$45
Iowa$1,000$1,030−$30
Kansas$1,175$1,210−$35
Kentucky$1,230$1,290−$60
Louisiana$2,025$2,120−$95
Maine$930$975−$45
Maryland$1,640$1,725−$85
Massachusetts$1,435$1,510−$75
Michigan$1,590$1,670−$80
Minnesota$1,225$1,270−$45
Mississippi$1,400$1,455−$55
Missouri$1,330$1,385−$55
Montana$1,175$1,210−$35
Nebraska$1,180$1,215−$35
Nevada$1,670$1,770−$100
New Hampshire$1,040$1,090−$50
New Jersey$1,755$1,855−$100
New Mexico$1,315$1,370−$55
New York$1,955$2,060−$105
North Carolina$1,090$1,140−$50
North Dakota$945$970−$25
Ohio$1,045$1,095−$50
Oklahoma$1,325$1,370−$45
Oregon$1,310$1,380−$70
Pennsylvania$1,275$1,335−$60
Rhode Island$1,760$1,860−$100
South Carolina$1,565$1,640−$75
South Dakota$1,130$1,150−$20
Tennessee$1,215$1,270−$55
Texas$1,740$1,805−$65
Utah$1,325$1,395−$70
Vermont$950$990−$40
Virginia$1,255$1,315−$60
Washington$1,270$1,340−$70
West Virginia$1,225$1,270−$45
Wisconsin$1,005$1,040−$35
Wyoming$1,155$1,175−$20

By driver profile (full coverage)

DriverMuranoEnclave
Teen driver (18, own policy)$4,020$4,215
Young adult (22)$2,340$2,450
Adult in their 30s$1,465$1,530
Adult in their 50s$1,345$1,410
Senior (72)$1,640$1,715
30s, one at-fault accident$2,120$2,220
30s, DUI on record$2,705$2,835

More comparisons

Frequently asked questions

Is the Nissan Murano or the Buick Enclave cheaper to insure?

By our estimate the Nissan Murano is cheaper, by about $65 a year for full coverage ($1,465 vs. $1,530) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Murano and Buick Enclave?

Mostly because of insurance-loss history: HLDI collision indices of 90 vs. 97 and comprehensive indices of 90 vs. 82 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page