Estimates, not quotes

Tesla Model Y vs Buick Enclave Insurance Cost

The Tesla Model Y is cheaper to insure by about $25 a year for full coverage by our estimate ($1,505 vs. $1,530), and cheaper in 44 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

CoverageTesla Model YBuick EnclaveDifference
State minimum$530$605−$75
Standard (100/300/100)$770$880−$110
Full coverage$1,505$1,530−$25

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

Why one costs more to insure

FactorTesla Model YBuick Enclave
SegmentMidsize SUVMidsize SUV
PowertrainsElectricGasoline
HLDI collision (100 = avg)11897
HLDI comprehensive7782
HLDI property damage liability82108
HLDI bodily injury liability8395
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)101

Collision losses are the biggest swing factor: the Tesla Model Y has 21 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model Y vs Enclave insurance by state

StateModel YEnclaveDifference
Alabama$1,325$1,330−$5
Alaska$1,335$1,345−$10
Arizona$1,560$1,605−$45
Arkansas$1,345$1,345—
California$1,520$1,505+$15
Colorado$1,675$1,725−$50
Connecticut$1,590$1,635−$45
Delaware$1,645$1,715−$70
District of Columbia$1,920$1,935−$15
Florida$2,085$2,195−$110
Georgia$1,830$1,900−$70
Hawaii$1,065$1,060+$5
Idaho$1,025$1,040−$15
Illinois$1,315$1,325−$10
Indiana$1,075$1,085−$10
Iowa$1,020$1,030−$10
Kansas$1,195$1,210−$15
Kentucky$1,255$1,290−$35
Louisiana$2,060$2,120−$60
Maine$970$975−$5
Maryland$1,685$1,725−$40
Massachusetts$1,495$1,510−$15
Michigan$1,655$1,670−$15
Minnesota$1,245$1,270−$25
Mississippi$1,435$1,455−$20
Missouri$1,355$1,385−$30
Montana$1,190$1,210−$20
Nebraska$1,200$1,215−$15
Nevada$1,690$1,770−$80
New Hampshire$1,090$1,090—
New Jersey$1,790$1,855−$65
New Mexico$1,350$1,370−$20
New York$1,990$2,060−$70
North Carolina$1,150$1,140+$10
North Dakota$970$970—
Ohio$1,085$1,095−$10
Oklahoma$1,355$1,370−$15
Oregon$1,330$1,380−$50
Pennsylvania$1,330$1,335−$5
Rhode Island$1,810$1,860−$50
South Carolina$1,570$1,640−$70
South Dakota$1,135$1,150−$15
Tennessee$1,265$1,270−$5
Texas$1,775$1,805−$30
Utah$1,350$1,395−$45
Vermont$1,005$990+$15
Virginia$1,295$1,315−$20
Washington$1,300$1,340−$40
West Virginia$1,260$1,270−$10
Wisconsin$1,025$1,040−$15
Wyoming$1,165$1,175−$10

By driver profile (full coverage)

DriverModel YEnclave
Teen driver (18, own policy)$4,135$4,215
Young adult (22)$2,405$2,450
Adult in their 30s$1,505$1,530
Adult in their 50s$1,385$1,410
Senior (72)$1,685$1,715
30s, one at-fault accident$2,180$2,220
30s, DUI on record$2,780$2,835

More comparisons

Frequently asked questions

Is the Tesla Model Y or the Buick Enclave cheaper to insure?

By our estimate the Tesla Model Y is cheaper, by about $25 a year for full coverage ($1,505 vs. $1,530) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model Y and Buick Enclave?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 97 and comprehensive indices of 77 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