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.
Average insurance prices for a Buick Encore are $1,344 every 12 months for full coverage. Comprehensive costs on average $260 each year, collision insurance costs $484, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $2,920. Teen drivers receive the highest rates at up to $5,126 a year.
Average premium for full coverage: $1,344
Rate estimates by individual coverage type:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Encore models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $496 for a discount liability-only rate to a high rate of $2,920 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying on 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.
Rates by State, City, and Model
The chart below shows average Buick Encore insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $775
- Raising to $1,000 deductibles will save around $168 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,344
- Choosing low deductibles increases the price to $1,672
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,920
- The cost to insure a teen driver may cost $5,126
Insurance rates for a Buick Encore can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Encore.
Choosing high deductibles can reduce rates by up to $500 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Where you live also has a big influence on Buick Encore insurance rates. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.
| 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 Low Cost Buick Encore Insurance
Saving money on Buick Encore insurance consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to shop around every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a review of the information illustrated above.
- Drivers can save as much as $160 per year just by quoting online in advance
- Teen drivers pay the highest rates, costing as high as $427 per month if they have full coverage
- Increasing deductibles could save as much as $500 each year
- High-risk drivers who have several accidents or serious violations pay an average of $1,580 more each year to insure their Encore
- Drivers who require more liability coverage will pay about $490 each year to raise from a minimum limit to a 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 | $5,126 |
| 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.
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