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.
The average auto insurance rates for a Buick Encore are $1,310 annually including full coverage. Comprehensive costs approximately $250 a year, collision insurance costs $450, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,838. Teen drivers cost the most to insure at up to $5,016 a year.
Average premium for full coverage: $1,310
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Encore trim levels.
Price Range Variability
For a driver in their 40's, Buick Encore insurance rates range from as cheap as $504 for just liability coverage to a high of $2,838 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below breaks down average Buick Encore insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $759
- Drivers who choose higher $1,000 deductibles will pay $1,150 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,310
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,618
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,838
- Policy cost with full coverage for a teenage driver can cost $5,016 a year
Car insurance rates for a Buick Encore also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $470 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Buick Encore insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
| 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 Buy Affordable Buick Encore Insurance
Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest time comparing rates every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a brief review of the coverage data covered in the charts and tables above.
- You may be able to save around $160 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Teen drivers pay the highest auto insurance rates, with premiums being up to $418 each month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may have to pay on average $1,530 more per year to insure their Encore
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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