Buick Enclave Insurance Cost
Full coverage for a Buick Enclave costs about $1,530 a year ($128/month) by our estimate — ▼ −4% versus the average vehicle, ranking 109th cheapest of 310 current models.
Buick Enclave insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2008–2027 model years of the Buick Enclave.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $605 | $51 | $500–$715 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $880 | $73 | $720–$1,040 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,530 | $128 | $1,255–$1,810 |
What drives the cost of insuring a Buick Enclave
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Buick Enclave's results put our vehicle factor at 0.99× for liability, 0.97× for collision and 0.84× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 97 | Average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 82 | Better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 108 | Worse than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 95 | Better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 93 | Better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 87 | Better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Buick Enclave 4dr | 97 | 82 | 108 | 95 |
| Buick Enclave 4dr 4WD | 103 | 80 | 97 | 75 |
- Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
- Recalls & complaints: 1 NHTSA recall campaigns and 39 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Buick Enclave trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Enclave AWD | AWD | 2.5L 4-cyl Turbo | 21 |
| Enclave FWD | FWD | 2.5L 4-cyl Turbo | 22 |
Buick Enclave insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2027 | 2.5L 4-cyl Turbo | AWD, FWD | 21–22 | $1,530 |
| 2026 | 2.5L 4-cyl Turbo | AWD, FWD | 21–22 | $1,505 |
| 2025 | 2.5L 4-cyl Turbo | AWD, FWD | 21–23 | $1,475 |
| 2024 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,445 |
| 2023 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,415 |
| 2022 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,385 |
| 2021 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,355 |
| 2020 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,325 |
| 2019 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,300 |
| 2018 | 3.6L 6-cyl | AWD, FWD | 20–21 | $1,270 |
| 2017 | 3.6L 6-cyl | AWD, FWD | 17–18 | $1,240 |
| 2016 | 3.6L 6-cyl | AWD, FWD | 17–18 | $1,210 |
| 2015 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2014 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2013 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2012 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2011 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2010 | 3.6L 6-cyl | AWD, FWD | 18–19 | $1,205 |
| 2009 | 3.6L 6-cyl | 4WD/AWD, FWD | 18–19 | $1,205 |
| 2008 | 3.6L 6-cyl | 4WD/AWD, FWD | 18–19 | $1,205 |
Buick Enclave insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Enclave page for that state.
Buick Enclave insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,670 | $2,420 | $4,215 | $351 |
| Young adult (22) | $970 | $1,410 | $2,450 | $204 |
| Adult in their 30s | $605 | $880 | $1,530 | $128 |
| Adult in their 50s | $560 | $810 | $1,410 | $118 |
| Senior (72) | $680 | $985 | $1,715 | $143 |
| 30s, one at-fault accident | $880 | $1,275 | $2,220 | $185 |
| 30s, DUI on record | $1,125 | $1,630 | $2,835 | $236 |
Buick Enclave vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Buick Enclave | $1,530 | 97 | 82 | — |
| Tesla Model Y | $1,505 | 118 | 77 | Compare |
| Nissan Murano | $1,465 | 90 | 90 | Compare |
| Ford Explorer | $1,400 | 85 | 81 | Compare |
Estimate Buick Enclave insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Buick models
Frequently asked questions
How much is insurance for a Buick Enclave?
We estimate about $1,530 a year ($128 a month) for full coverage and $605 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 4% less than the average vehicle.
Is the Buick Enclave expensive to insure?
HLDI insurance-loss data rates it at 97 for collision and 82 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.
Which state is cheapest to insure a Buick Enclave?
North Dakota has the lowest estimate (about $970 a year for full coverage) and Florida the highest (about $2,195).
Is the Buick Enclave cheaper to insure than the Tesla Model Y?
By our estimate the Buick Enclave costs about $1,530 a year versus $1,505 for the Tesla Model Y, making the Tesla Model Y cheaper to insure.
How much is Buick Enclave insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,215 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database