Buick Encore Insurance Rates

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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 rates for a Buick Encore are $1,310 a year with full coverage. Comprehensive costs on average $250, collision insurance costs $450, and liability insurance costs $452. A policy with only liability insurance costs as little as $504 a year, and a high-risk policy costs around $2,838. Teens pay the most at up to $5,016 a year.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

Comprehensive $250
Collision $450
Liability $452

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Encore models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Buick Encore range from the low end price of $504 for minimum levels of liability insurance to the much higher price of $2,838 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences demonstrate why everyone should compare rates based on a specific location, rather than relying 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.

Additional Rate Details

The chart below details average Buick Encore insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $759
  • Drivers who choose higher $1,000 deductibles will pay around $160 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,310
  • Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,618
  • High risk drivers with serious driving violations could pay upwards of $2,838
  • An auto insurance policy that insures a teen driver for full coverage may cost $5,016 a year

View Chart as Image

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

Car insurance prices for a Buick Encore also have a wide range based on the model of your Encore, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Buick Encore insurance for high-risk drivers can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Buick Encore insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Cheapest Buick Encore Insurance

Finding better rates on Buick Encore insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and possibly raising deductibles. Compare rates at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a recap of the data covered above.

  • Drivers who require increased liability limits will pay approximately $500 every year to go from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $475 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $418 per month if full coverage is purchased

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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