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.
Estimated insurance prices for a Buick Encore are $1,278 every 12 months for full coverage insurance. Comprehensive costs on average $240, collision costs $424, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing around $2,768. Teen drivers pay the most at $4,920 a year or more.
Average premium for full coverage: $1,278
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Encore trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Buick Encore go from the cheapest price of $508 for just the minimum liability insurance to a much higher rate of $2,768 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of 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.
Additional Rate Analysis
The chart below illustrates estimated Buick Encore insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $743
- Using higher $1,000 deductibles will save around $152 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,278
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,568
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,768 or more
- An auto insurance policy to insure a teen driver with full coverage may cost $4,920 or more
Car insurance prices for a Buick Encore also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Encore.
Choosing high deductibles could cut prices by as much as $450 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Buick Encore insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,312 | $34 | 2.7% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $862 | -$416 | -32.6% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,888 | $610 | 47.7% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,054 | -$224 | -17.5% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,044 | -$234 | -18.3% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,538 | $260 | 20.3% |
| Utah | $948 | -$330 | -25.8% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $766 | -$512 | -40.1% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Buick Encore | $284 | $524 | $416 | $1,382 |
| 2022 Buick Encore | $274 | $502 | $430 | $1,364 |
| 2021 Buick Encore | $260 | $484 | $442 | $1,344 |
| 2019 Buick Encore | $240 | $424 | $456 | $1,278 |
| 2018 Buick Encore | $230 | $380 | $460 | $1,228 |
| 2017 Buick Encore | $214 | $350 | $460 | $1,182 |
| 2016 Buick Encore | $206 | $328 | $464 | $1,156 |
| 2015 Buick Encore | $202 | $306 | $474 | $1,140 |
| 2014 Buick Encore | $186 | $284 | $474 | $1,102 |
| 2013 Buick Encore | $182 | $258 | $478 | $1,076 |
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 Affordable Buick Encore Insurance
Finding better rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The list below is a brief review of the information touched on in this article.
- It is possible to save as much as $150 per year simply by shopping early and online
- Teenagers are expensive to insure, with premiums being up to $410 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $450 each year
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,490 more each year for car insurance
- Policyholders who require higher liability limits will pay about $500 annually to increase from 30/60 bodily injury limits 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 | $4,920 |
| 20 | $2,952 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,483 |
| 250/500 | $1,780 |
| 100 CSL | $1,415 |
| 300 CSL | $1,666 |
| 500 CSL | $1,848 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,704 |
| 30 | $2,814 |
| 40 | $2,768 |
| 50 | $2,646 |
| 60 | $2,622 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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