If you’re wondering how much it will cost to insure your Buick Enclave in 2025, you’re in the right place. Insurance rates for the Buick Enclave vary based on your location, driving record and 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.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Buick Enclave.
What is the cost to insure your Buick Enclave in 2025?
The average cost to insure a Buick Enclave is $208 per month, or $2,491 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
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 cheapest car insurance rates for Buick Enclave at an average annual cost of $2,138 a year or $178 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best 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
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Buick Enclave generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
The table below shows the average annual insurance costs for various model years of the Buick Enclave, helping you understand how insurance premiums vary with the car’s age.
| 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 |
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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 example, higher trims like the Enclave Avenir, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different 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
Insurance costs for a Buick Enclave vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Buick Enclave in different states.
| 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
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| 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 your Buick Enclave is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 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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