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 prices for a Buick Encore are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $250 each year, collision insurance costs $450, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $2,838 or more. Teen drivers receive the highest rates at up to $5,016 a year.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Encore models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $504 for basic liability insurance to a high rate of $2,838 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.
These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using price 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 illustrates average Buick Encore insurance rates for other coverage scenarios.
- The lowest rate with discounts is $759
- Using higher $1,000 deductibles will save approximately $160 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,310
- Choosing low deductibles for physical damage coverage costs an extra $308 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,838
- The cost to insure a teenage driver can cost as much as $5,016 or more
Insurance rates for a Buick Encore can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 136% more than average. View High Risk Driver Rates
Where you live has a huge impact on Buick Encore insurance rates. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for Affordable Buick Encore Insurance
Saving money on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a brief review of the car insurance concepts covered in the charts and tables above.
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,530 more annually for car insurance
- It is possible to save approximately $160 per year just by quoting online in advance
- Increasing deductibles could save as much as $475 each year
- Consumers who want higher liability limits will pay about $500 annually to increase from a minimum limit to a 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
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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