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 insurance rates for a Buick Encore are $1,310 a year including full coverage. Comprehensive costs an estimated $250, collision costs $450, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,838. Teen drivers cost the most to insure at $5,016 a year or more.
Average premium for full coverage: $1,310
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Encore models.
Price Range Variability
For the average driver, Buick Encore insurance rates go from the low end price of $504 for liability-only coverage to the much higher price of $2,838 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
The examples above highlight why everyone should get quotes for a targeted area, instead of making a decision based 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.
Additional Charts and Tables
The chart below breaks down estimated Buick Encore insurance rates for other coverage scenarios.
- The lowest rate with discounts is $759
- Choosing higher $1,000 deductibles can save approximately $160 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,310
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,618
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,838 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost as much as $5,016 each year
Insurance rates for a Buick Encore also range considerably based on the model of your Encore, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,200 additional every year, depending on your age. Buick Encore insurance for high-risk drivers ranges from 44% to 136% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Buick Encore insurance prices. A good driver about age 40 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% |
Choosing high deductibles can save as much as $470 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied.
| 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 Low Cost Buick Encore Insurance
Finding cheaper rates on insurance for a Buick Encore takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a review of the concepts that were touched on above.
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,530 more annually than a safer driver
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $418 each month if comprehensive and collision insurance is included
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
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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