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.

The average insurance rates for a Buick Encore are $1,344 a year with full coverage. Comprehensive costs approximately $260 a year, collision costs $484, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $2,920. Teens cost the most to insure at $5,126 a year or more.

Average premium for full coverage: $1,344

Policy rates by type of insurance:

Comprehensive $260
Collision $484
Liability $442

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Encore trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Buick Encore insurance rates go from the low end price of $496 for just liability insurance to a high of $2,920 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

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

The examples above demonstrate why it is important to compare rates using their specific location, instead of making a decision based 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 details estimated Buick Encore insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $775
  • Drivers who choose higher $1,000 deductibles will pay $1,176 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,344
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,672
  • Drivers with serious driving violations could pay around $2,920 or more
  • Policy cost that insures a 16-year-old driver can cost $5,126 a year

View Chart as Image

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

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state makes a big difference in Buick Encore insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $500 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates will be varied.

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 the Best Buick Encore Insurance

Finding cheaper rates on insurance for a Buick Encore not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The following items are a brief recap of the information raised in the charts and tables above.

  • You may be able to save around $160 per year simply by quoting early and online
  • 16 to 18-year-old drivers have the highest car insurance rates, as much as $427 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles can save approximately $500 each year
  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,580 more per year than a driver with a clean driving record
  • Insureds who purchase additional liability coverage will pay approximately $490 every year to go 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 $5,126
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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