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.

Average insurance rates for a Buick Encore are $1,310 a year including full coverage. Comprehensive costs around $250, collision costs $450, and liability coverage is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $2,838. Teenage drivers receive the highest rates at $5,016 a year or more.

Average premium for full coverage: $1,310

Rate estimates for individual coverage type:

Comprehensive $250
Collision $450
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, 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 a driver in their 40's, prices range go from the low end price of $504 for just liability coverage to a much higher rate of $2,838 for high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

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

These examples highlight why anyone shopping for car insurance should get quotes for a specific zip code, rather than using average rates.

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 choices and driver risks.

  • The best discount rate is $759
  • Choosing higher $1,000 deductibles can save about $160 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,310
  • Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,618
  • Drivers who are prone to accidents and violations could pay at least $2,838 or more
  • The cost that insures a teenage driver with full coverage can be $5,016 each year

View Chart as Image

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

Insurance rates for a Buick Encore can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Buick Encore insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.

Buick Encore Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$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

Using high physical damage deductibles can save as much as $470 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

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 More Affordable Buick Encore Insurance

Saving money on auto insurance takes having a decent driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare prices every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a summary of the material that was covered in the charts and tables above.

  • Consumers who may need additional liability coverage will pay an extra $500 per year to raise limits from a minimum limit to the 250/500 level
  • 16 to 18-year-old drivers pay higher rates, as much as $418 per month if full coverage is included
  • Drivers who have multiple accidents or major violations may have to pay on average $1,530 more every year than a driver with a clean driving record
  • Increasing deductibles can save approximately $475 each year

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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