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.
Average insurance prices for a Buick Encore are $1,310 every 12 months for full coverage insurance. Comprehensive costs around $250, collision costs $450, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $2,838. Teens receive the highest rates at $5,016 a year or more.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Encore models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $504 for just liability insurance to the much higher price of $2,838 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
These examples illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 Details
The chart below illustrates estimated Buick Encore insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $759
- Using higher $1,000 deductibles will save about $160 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,310
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,618
- High-risk insureds with serious driving violations could pay at least $2,838 or more
- The cost to insure a 16-year-old driver for full coverage can be $5,016 or more
Insurance rates for a Buick Encore can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional per year, depending on your age. Buick Encore insurance for high-risk drivers can be from 44% to 136% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Buick Encore insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,770 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,184 | -$126 | -9.6% |
Alaska | $1,004 | -$306 | -23.4% |
Arizona | $1,084 | -$226 | -17.3% |
Arkansas | $1,310 | -$0 | 0.0% |
California | $1,490 | $180 | 13.7% |
Colorado | $1,250 | -$60 | -4.6% |
Connecticut | $1,346 | $36 | 2.7% |
Delaware | $1,480 | $170 | 13.0% |
Florida | $1,638 | $328 | 25.0% |
Georgia | $1,208 | -$102 | -7.8% |
Hawaii | $938 | -$372 | -28.4% |
Idaho | $884 | -$426 | -32.5% |
Illinois | $974 | -$336 | -25.6% |
Indiana | $984 | -$326 | -24.9% |
Iowa | $882 | -$428 | -32.7% |
Kansas | $1,242 | -$68 | -5.2% |
Kentucky | $1,786 | $476 | 36.3% |
Louisiana | $1,938 | $628 | 47.9% |
Maine | $808 | -$502 | -38.3% |
Maryland | $1,078 | -$232 | -17.7% |
Massachusetts | $1,048 | -$262 | -20.0% |
Michigan | $2,272 | $962 | 73.4% |
Minnesota | $1,094 | -$216 | -16.5% |
Mississippi | $1,566 | $256 | 19.5% |
Missouri | $1,160 | -$150 | -11.5% |
Montana | $1,404 | $94 | 7.2% |
Nebraska | $1,032 | -$278 | -21.2% |
Nevada | $1,568 | $258 | 19.7% |
New Hampshire | $944 | -$366 | -27.9% |
New Jersey | $1,462 | $152 | 11.6% |
New Mexico | $1,158 | -$152 | -11.6% |
New York | $1,378 | $68 | 5.2% |
North Carolina | $754 | -$556 | -42.4% |
North Dakota | $1,072 | -$238 | -18.2% |
Ohio | $904 | -$406 | -31.0% |
Oklahoma | $1,344 | $34 | 2.6% |
Oregon | $1,198 | -$112 | -8.5% |
Pennsylvania | $1,248 | -$62 | -4.7% |
Rhode Island | $1,746 | $436 | 33.3% |
South Carolina | $1,186 | -$124 | -9.5% |
South Dakota | $1,104 | -$206 | -15.7% |
Tennessee | $1,146 | -$164 | -12.5% |
Texas | $1,578 | $268 | 20.5% |
Utah | $968 | -$342 | -26.1% |
Vermont | $896 | -$414 | -31.6% |
Virginia | $784 | -$526 | -40.2% |
Washington | $1,010 | -$300 | -22.9% |
West Virginia | $1,198 | -$112 | -8.5% |
Wisconsin | $906 | -$404 | -30.8% |
Wyoming | $1,166 | -$144 | -11.0% |
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and rates can be significantly different.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2023 Buick Encore | $294 | $536 | $398 | $1,386 |
2022 Buick Encore | $284 | $524 | $416 | $1,382 |
2021 Buick Encore | $274 | $502 | $430 | $1,364 |
2020 Buick Encore | $260 | $484 | $442 | $1,344 |
2019 Buick Encore | $250 | $450 | $452 | $1,310 |
2018 Buick Encore | $240 | $424 | $456 | $1,278 |
2017 Buick Encore | $230 | $380 | $460 | $1,228 |
2016 Buick Encore | $214 | $350 | $460 | $1,182 |
2015 Buick Encore | $206 | $328 | $464 | $1,156 |
2014 Buick Encore | $202 | $306 | $474 | $1,140 |
2013 Buick Encore | $186 | $284 | $474 | $1,102 |
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 Shop for the Best Buick Encore Insurance
Saving money on insurance for a Buick Encore requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a brief recap of the coverage data illustrated above.
- It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $475 each year
- Teens are charged the highest rates, costing up to $418 per month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,530 more every year for Encore insurance
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 | $5,016 |
20 | $3,026 |
30 | $1,354 |
40 | $1,310 |
50 | $1,198 |
60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,618 |
$250 | $1,474 |
$500 | $1,310 |
$1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,310 |
50/100 | $1,400 |
100/300 | $1,513 |
250/500 | $1,807 |
100 CSL | $1,446 |
300 CSL | $1,694 |
500 CSL | $1,875 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,136 |
20 | $4,822 |
30 | $2,888 |
40 | $2,838 |
50 | $2,712 |
60 | $2,688 |
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 | $69 |
Multi-vehicle | $70 |
Homeowner | $21 |
5-yr Accident Free | $93 |
5-yr Claim Free | $85 |
Paid in Full/EFT | $57 |
Advance Quote | $64 |
Online Quote | $92 |
Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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