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 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 $1,344 a year with full coverage. Comprehensive costs around $260, collision insurance costs $484, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $2,920. 16-year-old drivers receive the highest rates at up to $5,126 a year.

Average premium for full coverage: $1,344

Rate estimates for individual coverage type:

Comprehensive $260
Collision $484
Liability $442

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Encore trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $496 for basic liability insurance to a much higher rate of $2,920 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,344
High Risk $2,920

Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of 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.

Rate Comparisons

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

  • The best full coverage rate is $775
  • Using higher $1,000 deductibles will save about $168 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,344
  • Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,672
  • Drivers with multiple tickets or accidents could pay at least $2,920
  • The cost that insures a teen driver with full coverage can be $5,126 or more

View Chart as Image

Buick Encore insurance cost comparison chart
Column chart showing Buick Encore insurance rates range from $775 to $5,126 for full coverage

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

If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Where you live has a huge impact on Buick Encore insurance prices. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,820 on average in Florida, Michigan, and New York.

Buick Encore Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,216 -$128 -9.5%
Alaska $1,032 -$312 -23.2%
Arizona $1,118 -$226 -16.8%
Arkansas $1,344 -$0 0.0%
California $1,532 $188 14.0%
Colorado $1,284 -$60 -4.5%
Connecticut $1,382 $38 2.8%
Delaware $1,522 $178 13.2%
Florida $1,682 $338 25.1%
Georgia $1,242 -$102 -7.6%
Hawaii $966 -$378 -28.1%
Idaho $910 -$434 -32.3%
Illinois $1,002 -$342 -25.4%
Indiana $1,014 -$330 -24.6%
Iowa $908 -$436 -32.4%
Kansas $1,278 -$66 -4.9%
Kentucky $1,834 $490 36.5%
Louisiana $1,992 $648 48.2%
Maine $828 -$516 -38.4%
Maryland $1,110 -$234 -17.4%
Massachusetts $1,078 -$266 -19.8%
Michigan $2,336 $992 73.8%
Minnesota $1,126 -$218 -16.2%
Mississippi $1,610 $266 19.8%
Missouri $1,192 -$152 -11.3%
Montana $1,444 $100 7.4%
Nebraska $1,060 -$284 -21.1%
Nevada $1,610 $266 19.8%
New Hampshire $968 -$376 -28.0%
New Jersey $1,504 $160 11.9%
New Mexico $1,190 -$154 -11.5%
New York $1,416 $72 5.4%
North Carolina $774 -$570 -42.4%
North Dakota $1,100 -$244 -18.2%
Ohio $928 -$416 -31.0%
Oklahoma $1,380 $36 2.7%
Oregon $1,232 -$112 -8.3%
Pennsylvania $1,284 -$60 -4.5%
Rhode Island $1,794 $450 33.5%
South Carolina $1,216 -$128 -9.5%
South Dakota $1,134 -$210 -15.6%
Tennessee $1,178 -$166 -12.4%
Texas $1,620 $276 20.5%
Utah $996 -$348 -25.9%
Vermont $920 -$424 -31.5%
Virginia $806 -$538 -40.0%
Washington $1,040 -$304 -22.6%
West Virginia $1,232 -$112 -8.3%
Wisconsin $932 -$412 -30.7%
Wyoming $1,198 -$146 -10.9%

View Chart as Image

Buick Encore insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $500 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Buick Encore Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Buick Encore $306 $542 $390 $1,396
2022 Buick Encore $294 $536 $398 $1,386
2021 Buick Encore $284 $524 $416 $1,382
2020 Buick Encore $274 $502 $430 $1,364
2019 Buick Encore $260 $484 $442 $1,344
2018 Buick Encore $250 $450 $452 $1,310
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 Find Affordable Buick Encore Insurance

Saving money on car insurance requires being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the car insurance concepts illustrated above.

  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,580 more every year for auto insurance
  • You may be able to save up to $160 per year just by shopping early and online
  • Increasing deductibles can save approximately $500 each year
  • Policyholders who may need higher levels of liability will pay around $490 every year to increase from a minimum 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 $5,126
20 $3,114
30 $1,394
40 $1,344
50 $1,230
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

Buick Encore Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,518
$500 $1,344
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Buick Encore Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,344
50/100 $1,432
100/300 $1,543
250/500 $1,830
100 CSL $1,477
300 CSL $1,720
500 CSL $1,897

Full coverage, driver age 40

Rates for High Risk Drivers

Buick Encore Insurance Rates for High Risk Drivers
Age Premium
16 $7,300
20 $4,966
30 $2,976
40 $2,920
50 $2,790
60 $2,764

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 $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $87
Paid in Full/EFT $60
Advance Quote $66
Online Quote $95
Total Discounts $569
Rate after discounts $775

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

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