Buick Encore Insurance Rates

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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 rates for a Buick Encore are $1,310 a year with full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $450, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $2,838 or more. Teens cost the most to insure at up to $5,016 a year.

Average premium for full coverage: $1,310

Policy rates for type of insurance:

Comprehensive $250
Collision $450
Liability $452

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Encore trim levels.

Price Range Variability

For a 40-year-old driver, Buick Encore insurance rates range from the low end price of $504 for just the minimum liability insurance to a high of $2,838 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,310
High Risk $2,838

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The examples above demonstrate why it is important to get quotes for a specific zip code, rather than relying on averaged prices.

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 details average Buick Encore insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $759
  • Choosing higher $1,000 deductibles can save about $1,150 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,310
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $308 a year
  • High-risk insureds with serious driving violations could pay at least $2,838
  • Policy cost that insures a teen driver can be $5,016 each year

View Chart as Image

Buick Encore insurance cost comparison chart
Column chart showing Buick Encore insurance prices range from $759 to $5,016 for full coverage

Car insurance rates for a Buick Encore also range considerably based on the trim level of your Encore, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Buick Encore insurance rates. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

Buick Encore Insurance Rates by State
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%

View Chart as Image

Buick Encore insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 each year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on Buick Encore insurance takes being safe and accident-free, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick review of the information illustrated above.

  • You may be able to save up to $160 per year just by quoting early and online
  • Youthful drivers are the costliest to insure, as much as $418 each month if full coverage is purchased
  • Increasing comprehensive and collision deductibles can save approximately $475 each year
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,530 more every year than a low-risk driver
  • Drivers who may need more liability protection will pay approximately $500 every year to raise limits from a 30/60 limit to the 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

Rates by Driver Age

Buick Encore Insurance 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

Buick Encore Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,310
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Buick Encore Insurance Rates with Different Liability Limits
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

Buick Encore Insurance 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.

SR-22 Surcharge $183

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
Rate after discounts $759

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

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