Buick Encore Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance prices for a Buick Encore are $1,310 every 12 months including full coverage. Comprehensive insurance costs approximately $250, collision costs $450, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $2,838 or more. 16-year-old drivers receive the highest rates at $5,016 a year or more.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Comprehensive $250
Collision $450
Liability $452

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Encore trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $504 for just liability coverage to a much higher rate of $2,838 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using 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.

Detailed Rate Analysis

The chart below breaks down estimated Buick Encore insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $759
  • Drivers who choose higher $1,000 deductibles will pay $160 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,310
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $308 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,838 or more
  • The cost to insure a teenage driver with full coverage can cost $5,016 a year

View Chart as Image

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

Auto insurance rates for a Buick Encore can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Encore.

Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can cost around 44% to 136% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Buick Encore insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,870 on average in Louisiana, New York, and Michigan.

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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly different.

Buick Encore Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Buick Encore $250 $450 $452 $1,310
2016 Buick Encore $240 $424 $456 $1,278
2015 Buick Encore $230 $380 $460 $1,228
2014 Buick Encore $214 $350 $460 $1,182
2013 Buick Encore $206 $328 $464 $1,156

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

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following list is a brief review of the data that was presented in the illustrations above.

  • You may be able to save around $160 per year simply by shopping early and online
  • Consumers who purchase an increased level of liability coverage will pay around $500 per year to go from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 have the highest car insurance rates, as much as $418 per month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions could be charged and average of $1,530 more per year than a safer driver

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.


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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles