If you’re looking for insurance for your Buick Enclave in 2025, you’re in the right place. Car insurance rates for the Buick Enclave depend on factors like your driving record, location and car model year.
The average annual cost to insure a 2023 Buick Enclave is $2,386. However, this rate can vary depending on the model year. For example, a 2021 Enclave might cost around $2,241 annually, while a 2018 model could be more affordable at $2,046 per year.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Buick Enclave.
What is the cost to insure your Buick Enclave in 2025?
On average, insuring a Buick Enclave costs $208 per month – or $2,491 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Buick Enclave
State Farm offers the lowest car insurance rates for your Buick Enclave, with an average cost of $2,138 per year or $178 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Buick Enclave.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,138 | $1,069 | $178 |
| Nationwide | $2,161 | $1,081 | $180 |
| Geico | $2,234 | $1,117 | $186 |
| Progressive | $2,434 | $1,217 | $203 |
| Farmers | $3,011 | $1,506 | $251 |
| Allstate | $3,053 | $1,526 | $254 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Buick Enclave car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Buick Enclave will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Buick Enclave, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,734 | $867 | $144 |
| 2015 | $1,815 | $907 | $151 |
| 2016 | $1,880 | $940 | $157 |
| 2017 | $1,901 | $951 | $158 |
| 2018 | $2,046 | $1,023 | $170 |
| 2019 | $2,109 | $1,055 | $176 |
| 2020 | $2,176 | $1,088 | $181 |
| 2021 | $2,241 | $1,120 | $187 |
| 2022 | $2,316 | $1,158 | $193 |
| 2023 | $2,386 | $1,193 | $199 |
Buick Enclave car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Buick Enclave. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Enclave Avenir, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Buick Enclave.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Enclave Essence | $2,420 | $1,210 | $202 |
| Enclave Premium | $2,509 | $1,255 | $209 |
| Enclave Avenir | $2,553 | $1,276 | $213 |
Buick Enclave insurance rates: State-by-state breakdown
The cost to insure a Buick Enclave can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Buick Enclave car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,323 | $1,162 | $194 |
| Alabama | $2,283 | $1,142 | $190 |
| Arkansas | $2,601 | $1,301 | $217 |
| Arizona | $2,357 | $1,179 | $196 |
| California | $2,994 | $1,497 | $249 |
| Colorado | $3,270 | $1,635 | $272 |
| Connecticut | $2,668 | $1,334 | $222 |
| Washington, D.C. | $2,858 | $1,429 | $238 |
| Delaware | $2,460 | $1,230 | $205 |
| Florida | $2,966 | $1,483 | $247 |
| Georgia | $3,235 | $1,618 | $270 |
| Hawaii | $1,584 | $792 | $132 |
| Iowa | $2,171 | $1,086 | $181 |
| Idaho | $1,560 | $780 | $130 |
| Illinois | $2,425 | $1,212 | $202 |
| Indiana | $2,181 | $1,091 | $182 |
| Kansas | $2,593 | $1,297 | $216 |
| Kentucky | $3,093 | $1,547 | $258 |
| Louisiana | $4,209 | $2,105 | $351 |
| Massachusetts | $2,281 | $1,141 | $190 |
| Maryland | $2,386 | $1,193 | $199 |
| Maine | $1,781 | $891 | $148 |
| Michigan | $3,272 | $1,636 | $273 |
| Minnesota | $2,646 | $1,323 | $220 |
| Missouri | $3,232 | $1,616 | $269 |
| Mississippi | $2,575 | $1,288 | $215 |
| Montana | $2,594 | $1,297 | $216 |
| North Carolina | $2,114 | $1,057 | $176 |
| North Dakota | $2,188 | $1,094 | $182 |
| Nebraska | $2,680 | $1,340 | $223 |
| New Hampshire | $1,904 | $952 | $159 |
| New Jersey | $2,433 | $1,217 | $203 |
| New Mexico | $2,512 | $1,256 | $209 |
| Nevada | $2,320 | $1,160 | $193 |
| New York | $1,837 | $918 | $153 |
| Ohio | $1,712 | $856 | $143 |
| Oklahoma | $2,647 | $1,323 | $221 |
| Oregon | $2,249 | $1,124 | $187 |
| Pennsylvania | $2,684 | $1,342 | $224 |
| Rhode Island | $3,046 | $1,523 | $254 |
| South Carolina | $2,384 | $1,192 | $199 |
| South Dakota | $3,165 | $1,583 | $264 |
| Tennessee | $2,602 | $1,301 | $217 |
| Texas | $3,439 | $1,719 | $287 |
| Utah | $2,030 | $1,015 | $169 |
| Virginia | $1,819 | $909 | $152 |
| Vermont | $1,871 | $936 | $156 |
| Washington | $2,121 | $1,060 | $177 |
| Wisconsin | $1,859 | $930 | $155 |
| West Virginia | $2,353 | $1,177 | $196 |
| Wyoming | $2,618 | $1,309 | $218 |
How your age impacts Buick Enclave insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,135 | $4,567 | $761 |
| Adults | $2,491 | $1,246 | $208 |
The bottom line
Knowing how much it costs to insure a Buick Enclave is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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