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.
Estimated insurance rates for a Buick Encore are $1,310 a year including full coverage. Comprehensive insurance costs approximately $250 a year, collision insurance costs $450, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,838 or more. 16-year-old drivers pay the most at up to $5,016 a year.
Average premium for full coverage: $1,310
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Encore trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Buick Encore range from the low end price of $504 for liability-only coverage to a high of $2,838 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.
These rate differences highlight why it is important to compare prices using their specific location, instead of making a decision based on rate 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.
Additional Charts and Tables
The chart below breaks down average Buick Encore insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $759
- Using higher $1,000 deductibles will save $1,150 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,310
- Buying low $100 deductibles for physical damage coverage will cost an additional $308 annually
- High-risk insureds with multiple tickets or accidents could pay around $2,838
- An auto insurance policy that insures a 16-year-old driver can cost $5,016 or more
Insurance prices for a Buick Encore also have a wide range based on the trim level of your Encore, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Buick Encore insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,870 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $470 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
| 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 More Affordable Buick Encore Insurance
Finding better rates on insurance for a Buick Encore requires being a safe and courteous driver, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Comparison shop every time your policy renews by requesting rates from direct car insurance companies, and also from local auto insurance providers.
Below is a summary of the information touched on in the above illustrations.
- You may be able to save around $160 per year just by quoting early and online
- Teenage drivers are expensive to insure, with the cost nearing $418 per month if full coverage is included
- Increasing policy deductibles can save approximately $475 each year
- Drivers considered higher risk who have multiple accidents or major violations will likely pay on average $1,530 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay around $500 per year to increase from 30/60 bodily injury limits to the 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
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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