The Buick Enclave offers numerous standard features and generous cargo space. The model first debuted in mid-2007 and remains a popular luxury SUV today. However, your Buick Enclave needs the right car insurance coverage to stay protected both on and off the road.
An independent insurance agent can help you find all the coverage you need for your specific Buick Enclave. They'll match you to the right policy for your needs. But first, here's a breakdown of average Buick Enclave insurance costs for 2026.
Key Takeaways - Buick Enclave Car Insurance
Buick Enclave insurance costs an average of $2,280 per year, or approximately $190 per month, for full coverage.
Buick Enclave insurance rates vary by driver age and profile, with teenage drivers and those with accidents on record paying much more for coverage than older adults and those with clean histories.
The most expensive state to insure a Buick Enclave is Michigan, with an average cost of $4,860 per year, while Hawaii is the least expensive, with an average annual cost of $1,123.
Newer Buick Enclave models typically cost more to insure than older models, due to their higher replacement price if totaled or stolen.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your specific Buick Enclave model.
What Is Buick Enclave Insurance?
Buick Enclave insurance is a type of car insurance that blends the coverage from a standard auto policy with additional coverage options designed for Buick Enclave vehicles. These luxury SUVs may require more protection than standard vehicles due to their more expensive custom parts and higher sticker prices. As such, you can expect Buick Enclave car insurance rates to be more expensive than those for non-luxury SUVs.
Recommended coverage options for Buick Enclave drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses arising from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Buick Enclave:
- Buick warranty insurance: This can extend Buick's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Buick vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Buick parts during the repair process.
Most states require you to carry at least the minimum auto insurance coverage. A local independent insurance agent can help you get set up with all the required Buick Enclave insurance for your state.
How Much Does Buick Enclave Insurance Cost?
The cost of Buick Enclave insurance is $2,280 per year, or approximately $190 per month for full coverage. Buick Enclave insurance rates can vary considerably depending on the specific model you drive and other factors, such as:
- Your location
- The specific type of Enclave you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your driving history
An independent insurance agent can help you get set up with affordable Buick car insurance from a reputable carrier near you.
Buick Enclave Insurance Costs by State
Buick costs can vary considerably from state to state. Buick Enclave insurance rates range from $1,123 per year in Hawaii all the way up to $4,860 per year in Michigan. Here's a closer look at the most and least expensive states for insuring a Buick Enclave in 2026 with a full coverage policy.
Most expensive states for Buick Enclave insurance
- Michigan: $4,860/year
- Louisiana: $4,104/year
- Rhode Island: $3,615/year
- Connecticut: $3,499/year
- Florida: $3,449/year
Least expensive states for Buick Enclave insurance
- Hawaii: $1,123/year
- North Carolina: $1,450/year
- Maine: $1,552/year
- Virginia: $1,609/year
- Iowa: $1,662/year
Average Buick Enclave insurance costs by state and driver profile
Having an accident on your record can greatly increase your car insurance rates. You may also have higher rates if you have poor credit and live in a state where this is allowed as a rating factor that can influence car insurance premiums.
The table below shows how Buick Enclave insurance rates for full coverage vary per year by location and driver profile.
| State | Good Driver Average Annual Premium | Accident on Record Average Annual Premium | Poor Credit Average Annual Premium |
| Alabama | $2,571 | $3,734 | $4,753 |
| Alaska | $2,127 | $2,948 | $2,865 |
| Arizona | $2,404 | $3,476 | $5,121 |
| Arkansas | $2,636 | $4,142 | $4,560 |
| California | $2,935 | $5,190 | $2,935 |
| Colorado | $2,739 | $3,833 | $4,863 |
| Connecticut | $3,499 | $5,427 | $6,888 |
| Delaware | $2,897 | $3,861 | $4,959 |
| Florida | $3,449 | $4,772 | $6,218 |
| Georgia | $2,812 | $4,205 | $4,240 |
| Hawaii | $1,123 | $1,525 | $1,123 |
| Idaho | $1,951 | $2,587 | $3,145 |
| Illinois | $2,043 | $3,087 | $3,520 |
| Indiana | $2,098 | $3,208 | $3,600 |
| Iowa | $1,662 | $2,279 | $2,680 |
| Kansas | $2,211 | $3,217 | $3,763 |
| Kentucky | $3,197 | $4,692 | $5,541 |
| Louisiana | $4,104 | $6,203 | $6,726 |
| Maine | $1,552 | $2,145 | $3,167 |
| Maryland | $2,511 | $3,655 | $4,060 |
| Massachusetts | $2,014 | $3,513 | $2,014 |
| Michigan | $4,860 | $7,405 | $11,681 |
| Minnesota | $2,000 | $2,667 | $3,756 |
| Mississippi | $2,415 | $3,444 | $3,467 |
| Missouri | $2,275 | $3,253 | $4,274 |
| Montana | $2,313 | $3,228 | $3,757 |
| Nebraska | $1,956 | $2,892 | $3,142 |
| Nevada | $3,226 | $4,784 | $5,054 |
| New Hampshire | $2,244 | $3,548 | $4,485 |
| New Jersey | $2,472 | $3,878 | $5,075 |
| New Mexico | $2,525 | $3,755 | $3,898 |
| New York | $2,338 | $2,945 | $4,915 |
| North Carolina | $1,450 | $2,490 | $1,776 |
| North Dakota | $1,984 | $3,015 | $3,565 |
| Ohio | $1,769 | $2,728 | $2,797 |
| Oklahoma | $2,824 | $4,044 | $4,554 |
| Oregon | $2,570 | $3,449 | $4,119 |
| Pennsylvania | $2,165 | $3,179 | $3,719 |
| Rhode Island | $3,615 | $5,302 | $5,971 |
| South Carolina | $2,455 | $3,402 | $4,695 |
| South Dakota | $2,202 | $3,173 | $3,662 |
| Tennessee | $2,590 | $3,813 | $5,078 |
| Texas | $2,609 | $3,768 | $4,687 |
| Utah | $2,219 | $3,109 | $4,278 |
| Vermont | $1,708 | $2,631 | $2,780 |
| Virginia | $1,609 | $2,470 | $2,421 |
| Washington | $2,130 | $2,891 | $3,452 |
| West Virginia | $2,143 | $3,069 | $3,845 |
| Wisconsin | $2,137 | $3,335 | $3,804 |
| Wyoming | $1,995 | $2,792 | $2,974 |
Buick Enclave Insurance Rates Comparison by Model Year
It typically costs more to insure a new Buick Enclave because it is more expensive for an insurance company to replace after a theft or total loss than an older model. While a 2010 Buick Enclave costs just $513 to insure with full coverage each year, a 2026 Enclave costs about $2,068 per year.
Here's a breakdown of the average cost to insure a Buick Enclave by model year.
| Model Year | Average Annual Full Coverage Premium |
| 2026 Buick Enclave | $2,068 |
| 2025 Buick Enclave | $2,163 |
| 2024 Buick Enclave | $959 |
| 2023 Buick Enclave | $753 |
| 2022 Buick Enclave | $962 |
| 2021 Buick Enclave | $741 |
| 2020 Buick Enclave | $767 |
| 2019 Buick Enclave | $908 |
| 2018 Buick Enclave | $793 |
| 2017 Buick Enclave | $712 |
| 2016 Buick Enclave | $760 |
| 2015 Buick Enclave | $473 |
| 2014 Buick Enclave | $578 |
| 2013 Buick Enclave | $684 |
| 2012 Buick Enclave | $514 |
| 2011 Buick Enclave | $438 |
| 2010 Buick Enclave | $513 |
2026 Buick Enclave Insurance Costs by Insurance Company
Some car insurance companies offer cheaper Buick Enclave premiums than others. Currently, Mercury and American Family offer the lowest car insurance rates for a 2026 Buick Enclave.
Here are some of our top recommendations for the cheapest Buick Enclave car insurance companies that offer quality coverage.
| Insurance Company | Average Annual Full Coverage Premium |
| Mercury | $1,510 |
| American Family | $1,890 |
| Auto-Owners | $1,945 |
| Progressive | $2,010 |
| Travelers | $2,035 |
| Erie | $2,095 |
| Nationwide | $2,180 |
Average Buick Enclave Insurance Costs by Driver Age and Profile
While teens and young drivers below the age of 25 tend to pay the most for car insurance, adult drivers tend to pay the least. Car insurance rates typically increase again as you approach your senior years. Here are the average costs to insure a Buick Enclave by driver age and profile in 2026.
| Driver Age | Good Driver Average Annual Premium | Accident on Record Average Annual Premium | Poor Credit Average Annual Premium |
| 18 | $7,660 | $11,248 | $13,159 |
| 25 | $3,458 | $5,078 | $5,941 |
| 35 | $2,523 | $3,705 | $4,334 |
| 45 | $2,361 | $3,467 | $4,056 |
| 55 | $2,166 | $3,180 | $3,720 |
| 65 | $2,259 | $3,317 | $3,880 |
| 75 | $2,851 | $4,187 | $4,898 |
Best Buick Enclave Insurance Discounts: How to Lower Your Buick Enclave Insurance Premiums
Fortunately, it's fairly easy to earn car insurance discounts for your Buick Enclave. There are several options you can try to potentially reduce your Buick Enclave insurance premiums, such as the following:
- Ask about Buick Enclave insurance discounts: Many common car insurance discounts include those for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Buick may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Setting a higher deductible can lower your car insurance premiums, but you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Buick Enclave insurance quotes from multiple carriers in your area can help you find the best deal.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Buick Enclave insurance from a trusted carrier near you.
Your independent insurance agent can help you find affordable Buick Enclave insurance and recommend additional ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Buick Enclave Insurance Quotes
When it's time to find the most affordable Buick Enclave insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Buick Enclave insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Buick Enclave Insurance
How much does Buick Enclave insurance cost?
The average cost of Buick Enclave insurance in 2026 is $2,280 per year, or approximately $190 per month for full coverage. Your rates may vary due to your location, driving history, specific model insured, and other factors.
What factors affect insurance rates for a Buick Enclave?
Several different factors can influence the cost of Buick Enclave insurance, including driver age, driving history, location, model year insured, and more.
Are Buicks expensive to insure?
Not especially. Buick's luxury vehicles tend to be more affordable to insure than those from other brands, such as Audi.
What are the best carriers for Buick insurance?
We found that Mercury, American Family, and Auto-Owners are the best and cheapest car insurance companies for a new Buick Enclave in 2026.
Other Buick models
Sources
https://www.insuranceopedia.com/auto-insurance/buick-enclave-car-insurance
https://caredge.com/buick/enclave/insurance