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.
Average insurance rates for a Buick Encore are $1,310 a year for full coverage. Comprehensive costs around $250 each year, collision insurance costs $450, and liability insurance costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $2,838. Teens receive the highest rates at up to $5,016 a year.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Encore models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $504 for just liability insurance to a high rate of $2,838 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why all drivers should compare rates for a specific zip code and risk profile, 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.
More Rate Details
The chart below shows average Buick Encore insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $759
- Drivers who choose higher $1,000 deductibles will pay about $160 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,310
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,618
- High risk drivers with serious driving violations could pay at least $2,838
- The cost for full coverage for a teen driver can be $5,016 a year
Auto insurance rates for a Buick Encore can also vary considerably based on your driver profile, the trim level of your Encore, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Where you live makes a big difference in Buick Encore insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.
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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
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
Saving money on Buick Encore insurance not only requires being safe and accident-free, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below you'll find a quick review of the car insurance concepts covered above.
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,530 more every year than a low-risk driver
- Drivers can save up to $160 per year just by quoting online in advance
- Increasing deductibles can save around $475 each year
- Drivers who may need more liability protection will pay approximately $500 each year to go from a minimum limit to 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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,618 |
$250 | $1,474 |
$500 | $1,310 |
$1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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