Buick Encore Insurance Rates
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UPDATED: Jun 9, 2024
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Are you stressed about finding cheap insurance rates for a Buick Encore? The average insurance cost for Encore car insurance is $1,414 per year, or $117 a month. Read on to learn more about rates for a Buick Encore, Buick Encore reviews, and frequently asked coverage questions.
Want to jump right into finding the cheapest Buick Encore insurance rates? Enter your ZIP code in our free tool above to find the best Buick Encore cost.
U.S. average insurance rates for a Buick Encore are $1,344 a year for full coverage. Comprehensive costs an estimated $260, collision insurance costs $484, and liability coverage is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $2,920. Teen drivers pay the highest rates at up to $5,126 a year.
Average premium for full coverage: $1,344
Price estimates broken down by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Encore models.
Price Range from Low to High
For a driver in their 40's, Buick Encore insurance prices range from the low end price of $496 for your basic liability-only policy to the much higher price of $2,920 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The example below illustrates how location helps determine insurance prices.
The ranges above show why everyone should compare rates quotes for a targeted area, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Buick Encore insurance rates for other coverage scenarios.
- The lowest rate with discounts is $775
- Raising to $1,000 deductibles will save approximately $168 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,344
- Choosing pricier low deductibles bumps up the cost to $1,672
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,920
- The price that insures a teenage driver for full coverage can cost as much as $5,126
Car insurance prices for a Buick Encore are also quite variable based on the model of your Encore, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. Buick Encore insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age
The state you live in also has a big influence on Buick Encore insurance rates. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,532 | $188 | 14.0% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,382 | $38 | 2.8% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,002 | -$342 | -25.4% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,278 | -$66 | -4.9% |
| Kentucky | $1,834 | $490 | 36.5% |
| Louisiana | $1,992 | $648 | 48.2% |
| Maine | $828 | -$516 | -38.4% |
| Maryland | $1,110 | -$234 | -17.4% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,336 | $992 | 73.8% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,610 | $266 | 19.8% |
| Missouri | $1,192 | -$152 | -11.3% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,060 | -$284 | -21.1% |
| Nevada | $1,610 | $266 | 19.8% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,190 | -$154 | -11.5% |
| New York | $1,416 | $72 | 5.4% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,380 | $36 | 2.7% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,794 | $450 | 33.5% |
| South Carolina | $1,216 | -$128 | -9.5% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,620 | $276 | 20.5% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $806 | -$538 | -40.0% |
| Washington | $1,040 | -$304 | -22.6% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $932 | -$412 | -30.7% |
| Wyoming | $1,198 | -$146 | -10.9% |
Choosing high deductibles can reduce prices by up to $500 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Buick Encore | $306 | $542 | $390 | $1,396 |
| 2022 Buick Encore | $294 | $536 | $398 | $1,386 |
| 2021 Buick Encore | $284 | $524 | $416 | $1,382 |
| 2020 Buick Encore | $274 | $502 | $430 | $1,364 |
| 2019 Buick Encore | $260 | $484 | $442 | $1,344 |
| 2018 Buick Encore | $250 | $450 | $452 | $1,310 |
| 2017 Buick Encore | $240 | $424 | $456 | $1,278 |
| 2016 Buick Encore | $230 | $380 | $460 | $1,228 |
| 2015 Buick Encore | $214 | $350 | $460 | $1,182 |
| 2014 Buick Encore | $206 | $328 | $464 | $1,156 |
| 2013 Buick Encore | $202 | $306 | $474 | $1,140 |
Rates are averaged for all Buick Encore models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Buick Encore Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Shop around at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following items are a brief recap of the concepts that were covered in the charts and tables above.
- Drivers who tend to receive serious violations may pay on average $1,580 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $427 a month if full coverage is purchased
- Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $500 each year
- Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
What is the best way to reduce your insurance premium? Shopping around for Encore Buick rates can help you save an average of $170 a year by allowing you to compare rates from Progressive insurance costs to Allstate insurance costs.
To start finding Encore car insurance rates today, enter your ZIP code in our free tool below.
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What are the safety ratings of the Buick Encore?
Buick Encore average insurance costs do partially depend on Buick Encore safety ratings and safety features. Some of the Buick Encore’s safety features include multiple airbags, electronic stability control, child safety locks, and traction control.
The Insurance Institute for Highway Safety (IIHS) also crash-tested the Buick Encore and gave it the following ratings:
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the Buick Encore’s crash testing.
Buick Encore Compared Against Other Vehicles in the Same Class
The Buick Encore is a small SUV. However, the IIHS does not have data on how the Buick Encore’s liability losses compare to other small SUVs. If you want to see how other small SUVs’ rates compare to the Buick Encore, take a look at the list below.
Are you still wondering how much does a 2018 or 2016 Buick Encore cost or what Encore insurance in Indiana costs? Enter your ZIP code in our free tool to find Buick Encore insurance rates by model year and area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,126 |
| 20 | $3,114 |
| 30 | $1,394 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,672 |
| $250 | $1,518 |
| $500 | $1,344 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,432 |
| 100/300 | $1,543 |
| 250/500 | $1,830 |
| 100 CSL | $1,477 |
| 300 CSL | $1,720 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $4,966 |
| 30 | $2,976 |
| 40 | $2,920 |
| 50 | $2,790 |
| 60 | $2,764 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
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