Buick Encore Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 9, 2024

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Buick Encore insurance
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.

Estimated insurance prices for a Buick Encore are $1,310 every 12 months for full coverage insurance. Comprehensive costs approximately $250, collision costs $450, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,838. Teens pay the most at $5,016 a year or more.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

Comprehensive $250
Collision $450
Liability $452

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Encore trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Buick Encore go from the cheapest price of $504 for minimum levels of liability insurance to a much higher rate of $2,838 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,310
High Risk $2,838

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using 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.

Additional Rate Details

The chart below illustrates estimated Buick Encore insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $759
  • Drivers who choose higher $1,000 deductibles will pay $160 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,310
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,618
  • High-risk insureds with serious driving violations could pay around $2,838 or more
  • An auto insurance policy to insure a teenage driver with full coverage can cost $5,016 a year

View Chart as Image

Buick Encore insurance cost comparison chart
Column chart showing full coverage Buick Encore insurance rates range from $759 to $5,016

Insurance prices for a Buick Encore also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Encore.

Choosing higher comprehensive and collision insurance deductibles could save up to $470 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can cost around 44% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Buick Encore insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

Buick Encore Insurance Rates by State
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%

View Chart as Image

Buick Encore insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company calculates prices differently, and prices will be substantially different.

Buick Encore Insurance Rates by Model Year
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 Cheaper Buick Encore Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a condensed summary of the information touched on in this article.

  • It is possible to save around $160 per year simply by shopping early and online
  • Teen drivers are the costliest to insure, with premiums being up to $418 per month if full coverage is included
  • Increasing policy deductibles could save as much as $475 each year
  • Drivers with multiple at-fault accidents may have to pay on average $1,530 more per year to insure their Encore
  • Consumers who purchase more liability coverage will pay approximately $500 annually to go from 30/60 bodily injury limits to a 250/500 level

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

Rates by Driver Age

Buick Encore Insurance 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

Buick Encore Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,310
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Buick Encore Insurance Rates with Different Liability Limits
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

Buick Encore Insurance 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.

SR-22 Surcharge $183

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
Rate after discounts $759

Discounts are estimated and may not be available from every company or in every state.

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