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How much is insurance on a Buick Enclave?

A 2024 Buick Enclave runs about $1,840 a year for a typical 45-year-old, $100 less than an average car of the same age, because of fewer injury claims. Putting a new 16-year-old on a family policy with the Enclave adds about $1,220 a year (#15 of 25 midsize SUVs we compare).

2024 Buick Enclave (Enclave AWD), national average

about $1,840 a year (about $155 a month)

Estimated range: $1,350–$2,450. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Enclave drops to about $1,540 (see the table below).

A Buick Enclave from the 2018–2024 generation
A Buick Enclave from the 2018–2024 generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Enclave AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Enclave's rank is the same in every state.

Why the Buick Enclave costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Buick Enclave 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 103 for crash repairs, 80 for non-crash damage, 97 for damage to others' property, and 75 for injury claims.

  • Crash repairs (collision)fixing this car after a crashAverage3% worse than average21st best of the 25 midsize SUVs we compare
  • Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage20% better than average9th best of the 24 midsize SUVs we compare
  • Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage3% better than average20th best of the 25 midsize SUVs we compare
  • Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 25% less often than average7th best of the 21 midsize SUVs we compare
HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Enclave comes out about 4% better than average. We count about half of that difference, so the part of the bill that fixes the car is about 2% less than average: about $930 a year vs $950. On the liability side, damage to others and injury claims combine to about 16% better than average. We count about half, so that part is about 8% less: $910 a year vs $990.

How the math works

In EPA size classes, the Enclave is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Buick Enclave is benchmarked against midsize SUVs.

Matched to HLDI series “Buick Enclave 4dr 4WD” (HLDI, 2022–24 models).

A used Buick Enclave, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model yearFull coverageLiability onlyAdding a teen
2024 Enclave AWD (0–3 years old)about $1,840about $910+$1,220
2022 Enclave AWD (4–7 years old)about $1,730about $910+$1,140
2018 Enclave AWD (8–12 years old)about $1,610about $910+$1,060
2013 Enclave AWD (13 or more years old)about $1,540about $970+$1,020

Our catalog covers the Buick Enclave across model years 2007–2027. Full coverage on a used 2013 Enclave (13 or more years old) runs about $1,540 a year, $300 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $970 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Buick Enclave trims, full coverage goes from about $1,840 a year on the Enclave AWD to about $1,920 on the Enclave FWD, because HLDI's loss results differ by body, drive, or powertrain.

  • Enclave AWD: about $1,840
  • Enclave FWD: about $1,920

On a policy of their own with a 2024 Buick Enclave, a 22–25-year-old pays about $2,400 a year ($550 more than a 45-year-old), a 26–39-year-old about $2,050, and a driver 65 and older about $1,940.

Adding a 16-year-old with a Buick Enclave

Because the Buick Enclave starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,220 a year ($100 a month), $60 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,290 a year, about $4,080 more than sharing the family policy.

For adding a teen driver, the Buick Enclave ranks 39th cheapest out of all 121 models we track. Stepping down to a used 2013 Enclave (13 or more years old) brings the teen add-on to about $1,020 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Buick Enclave is the 11th most expensive to insure. Right next to it are the Ford Bronco (about $1,840 a year) and the Mazda CX-90 (about $1,840).

Photos from Wikimedia Commons contributors. Photo credits.

What a Buick Enclave costs in your state

In six sample states, a 2024 Buick Enclave runs from about $1,280 a year in Wisconsin through Montana, Alaska, Mississippi and Rhode Island to about $2,430 in New York:

All 50 states and DC · Updated .

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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