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.

The average insurance prices for a Buick Encore are $1,344 every 12 months for full coverage insurance. Comprehensive costs an estimated $260, collision costs $484, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $2,920. Teen drivers cost the most to insure at $5,126 a year or more.

Average premium for full coverage: $1,344

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $484
Liability $442

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Encore models.

Price Range Variability

For the normal driver, Buick Encore insurance rates go from the cheapest price of $496 for just liability insurance to the much higher price of $2,920 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,344
High Risk $2,920

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

The examples above illustrate why everyone should compare prices for a targeted area and their own driving history, 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.

More Rate Details

The chart below illustrates estimated Buick Encore insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $775
  • Using higher $1,000 deductibles will save approximately $168 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,344
  • Choosing pricier low deductibles for physical damage coverage increases the price to $1,672
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,920 or more
  • Policy cost to insure a teenage driver for full coverage can cost as much as $5,126 or more

View Chart as Image

Buick Encore insurance cost comparison chart
Column chart showing full coverage Buick Encore insurance rates range from $775 to $5,126

Insurance rates for a Buick Encore also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $500 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 probably paying $1,600 to $2,200 additional every year, depending on your age. Buick Encore insurance for high-risk drivers can be around 43% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Buick Encore insurance rates. A driver around age 40 might see rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,820 on average in Florida, New York, and Michigan.

Buick Encore Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,216 -$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%

View Chart as Image

Buick Encore insurance rates by U.S. city

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

Buick Encore Insurance Rates by Model Year
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 Best Cheap Buick Encore Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a quick review of the primary concepts that were presented in the illustrations above.

  • It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Drivers with a DUI or reckless driving violation could be forced to pay on average $1,580 more annually to insure a Buick Encore
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $427 each month if full coverage is included

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 $5,126
20 $3,114
30 $1,394
40 $1,344
50 $1,230
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

Buick Encore Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,518
$500 $1,344
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Buick Encore Insurance Rates with Different Liability Limits
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

Buick Encore Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $775

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

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