Buick Encore Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 insurance prices for a Buick Encore are $1,344 every 12 months including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $484, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $2,920 or more. Teens cost the most to insure at up to $5,126 a year.
Average premium for full coverage: $1,344
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Encore models.
Price Range Variability
Using a middle-aged driver as an example, Buick Encore insurance rates range from the cheapest price of $496 for just liability insurance to a high rate of $2,920 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of 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.
More Rate Details
The chart below breaks down average Buick Encore insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $775
- Raising to $1,000 deductibles will save $168 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,344
- Selecting low deductibles costs an extra $328 every year
- At-risk drivers with serious driving violations could pay around $2,920
- Policy cost to insure a teen driver can cost $5,126
Car insurance rates for a Buick Encore also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Encore.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $500 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Buick Encore insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,532 | $188 | 14.0% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,382 | $38 | 2.8% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,002 | -$342 | -25.4% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,278 | -$66 | -4.9% |
| Kentucky | $1,834 | $490 | 36.5% |
| Louisiana | $1,992 | $648 | 48.2% |
| Maine | $828 | -$516 | -38.4% |
| Maryland | $1,110 | -$234 | -17.4% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,336 | $992 | 73.8% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,610 | $266 | 19.8% |
| Missouri | $1,192 | -$152 | -11.3% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,060 | -$284 | -21.1% |
| Nevada | $1,610 | $266 | 19.8% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,190 | -$154 | -11.5% |
| New York | $1,416 | $72 | 5.4% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,380 | $36 | 2.7% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,794 | $450 | 33.5% |
| South Carolina | $1,216 | -$128 | -9.5% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,620 | $276 | 20.5% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $806 | -$538 | -40.0% |
| Washington | $1,040 | -$304 | -22.6% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $932 | -$412 | -30.7% |
| Wyoming | $1,198 | -$146 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Buick Encore | $306 | $542 | $390 | $1,396 |
| 2022 Buick Encore | $294 | $536 | $398 | $1,386 |
| 2021 Buick Encore | $284 | $524 | $416 | $1,382 |
| 2020 Buick Encore | $274 | $502 | $430 | $1,364 |
| 2019 Buick Encore | $260 | $484 | $442 | $1,344 |
| 2018 Buick Encore | $250 | $450 | $452 | $1,310 |
| 2017 Buick Encore | $240 | $424 | $456 | $1,278 |
| 2016 Buick Encore | $230 | $380 | $460 | $1,228 |
| 2015 Buick Encore | $214 | $350 | $460 | $1,182 |
| 2014 Buick Encore | $206 | $328 | $464 | $1,156 |
| 2013 Buick Encore | $202 | $306 | $474 | $1,140 |
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 Right Buick Encore Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The points below are a quick rundown of the concepts that were touched on in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,580 more per year to insure a Buick Encore
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $427 each month if the policy includes full coverage
- You may be able to save around $160 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- You may be able to save around $160 per year just by quoting online in advance
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $5,126 |
| 20 | $3,114 |
| 30 | $1,394 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,672 |
| $250 | $1,518 |
| $500 | $1,344 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,432 |
| 100/300 | $1,543 |
| 250/500 | $1,830 |
| 100 CSL | $1,477 |
| 300 CSL | $1,720 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $4,966 |
| 30 | $2,976 |
| 40 | $2,920 |
| 50 | $2,790 |
| 60 | $2,764 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
