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 6, 2023

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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.

Estimated auto insurance rates for a Buick Encore are $1,278 annually including full coverage. Comprehensive insurance costs on average $240 a year, collision costs $424, and liability costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,768 or more. 16-year-old drivers pay the most at $4,920 a year or more.

Average premium for full coverage: $1,278

Premium estimates by type of coverage:

Comprehensive $240
Collision $424
Liability $456

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Encore trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Buick Encore go from as cheap as $508 for just the minimum liability insurance to a high of $2,768 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,278
High Risk $2,768

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

These rate differences highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate 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 breaks down estimated Buick Encore insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $743
  • Drivers who choose higher $1,000 deductibles will pay around $1,126 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,278
  • Buying low $100 deductibles for comprehensive and collision insurance costs an additional $290 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,768 or more
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $4,920 a year

View Chart as Image

Buick Encore insurance cost comparison chart
Column chart showing full coverage Buick Encore insurance prices range from $743 to $4,920

Insurance prices for a Buick Encore also have a wide range based on the model of your Encore, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $450 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Buick Encore insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,820 on average in Michigan, New York, and Louisiana.

Buick Encore Insurance Rates by State
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%

View Chart as Image

Buick Encore insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, so the prices will be substantially different between companies.

Buick Encore Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Buy Low Cost Buick Encore Insurance

Finding better rates on insurance for a Buick Encore not only requires being safe and accident-free, but also having a good credit history, refrain from filing small claims, and bundling your home and auto policies. Invest time comparing rates every time your policy renews by getting price quotes from direct car insurance companies, and also from several local insurance agents.

Below you'll find a review of the information covered in the charts and tables above.

  • You may be able to save as much as $150 per year simply by quoting early and online
  • Youthful drivers pay the highest prices, with the cost nearing $410 per month including comprehensive and collision insurance
  • Increasing policy deductibles could save up to $450 each year
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,490 more each year than a low-risk driver
  • Insureds who require more liability protection will pay around $500 per year to go from 30/60 bodily injury limits to higher 250/500 limits

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 $4,920
20 $2,952
30 $1,318
40 $1,278
50 $1,170
60 $1,146

Full coverage, $500 deductibles

Rates by Deductible

Buick Encore Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,568
$250 $1,432
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Buick Encore Insurance Rates with Different Liability Limits
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

Buick Encore Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $743

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

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