Buick Encore Insurance Rates
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Michelle Robbins
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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 $1,278 every 12 months including full coverage. Comprehensive costs around $240 each year, collision costs $424, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing around $2,768. Teenage drivers receive the highest rates at $4,920 a year or more.
Average premium for full coverage: $1,278
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Encore models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $508 for the bare minimum liability coverage to a high rate of $2,768 for a high-risk driver policy.
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 more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance rates.
These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, 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.
Additional Rate Information
The chart below breaks down estimated Buick Encore insurance rates for additional coverage choices and driver risks.
- The best discount rate is $743
- Choosing higher $1,000 deductibles can save about $152 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,278
- Using low deductibles for comp and collision coverage increases the price to $1,568
- Drivers who are prone to accidents and violations could pay at least $2,768 or more
- The cost to insure a teenage driver can be $4,920 each year
Insurance rates for a Buick Encore can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $450 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 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 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates
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 $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,312 | $34 | 2.7% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $918 | -$360 | -28.2% |
| Idaho | $862 | -$416 | -32.6% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,214 | -$64 | -5.0% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,888 | $610 | 47.7% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,054 | -$224 | -17.5% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,044 | -$234 | -18.3% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,538 | $260 | 20.3% |
| Utah | $948 | -$330 | -25.8% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $766 | -$512 | -40.1% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Buick Encore | $284 | $524 | $416 | $1,382 |
| 2022 Buick Encore | $274 | $502 | $430 | $1,364 |
| 2021 Buick Encore | $260 | $484 | $442 | $1,344 |
| 2019 Buick Encore | $240 | $424 | $456 | $1,278 |
| 2018 Buick Encore | $230 | $380 | $460 | $1,228 |
| 2017 Buick Encore | $214 | $350 | $460 | $1,182 |
| 2016 Buick Encore | $206 | $328 | $464 | $1,156 |
| 2015 Buick Encore | $202 | $306 | $474 | $1,140 |
| 2014 Buick Encore | $186 | $284 | $474 | $1,102 |
| 2013 Buick Encore | $182 | $258 | $478 | $1,076 |
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 More Affordable Buick Encore Insurance
Saving money on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a summary of the information presented in the illustrations above.
- You may be able to save up to $150 per year simply by quoting online in advance
- Youthful drivers are charged the highest rates, as much as $410 per month if full coverage is included
- Increasing deductibles could save as much as $450 each year
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,490 more every year than a low-risk driver
- Consumers who may need more liability protection will pay an extra $500 per year to raise limits 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 | $4,920 |
| 20 | $2,952 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,568 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,483 |
| 250/500 | $1,780 |
| 100 CSL | $1,415 |
| 300 CSL | $1,666 |
| 500 CSL | $1,848 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,992 |
| 20 | $4,704 |
| 30 | $2,814 |
| 40 | $2,768 |
| 50 | $2,646 |
| 60 | $2,622 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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