Compare Cheap Buick Encore Insurance Quotes

Average Buick Encore auto insurance rates cost $1,414 a year, or around $118 a month. Shop around to find cheap Buick Encore insurance rates. On average, Buick Encore comprehensive insurance coverage costs $344, collision coverage costs $503, and liability coverage costs $399.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,414 a year or $118 each month
  • A liability-only policy costs around $567 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,168 a year or $431 each month
  • Good drivers can save as much as $583 a year by earning policy discounts
  • Buick Encore insurance costs around $105 less per year than the average vehicle

Buick Encore insurance rates don’t need to break the bank. Buick Encore insurance costs around $105 less per year than the average vehicle. Learn about ways to save in our comprehensive guide to Buick Encore insurance rates.

You can start comparing quotes for Buick Encore car insurance rates from some of the best car insurance companies by using our free online tool now.

Buick Encore Insurance Cost

The average Buick Encore car insurance rates are $1,414 a year or $118 a month.

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Are Buick Encores Expensive to Insure?

The chart below details how Buick Encore insurance rates compare to other SUVs like the Mercedes-Benz GLC 300, Subaru Forester, and BMW X5.

Vehicle Comprehensive Collision Liability Total
Buick Encore $322 $562 $372 $1,414
Mercedes-Benz GLC 300 $412 $810 $390 $1,770
Subaru Forester $346 $512 $332 $1,326
BMW X5 $444 $750 $372 $1,724
Toyota 4Runner $332 $512 $332 $1,312
BMW X3 $376 $656 $372 $1,562
Mitsubishi Outlander Sport $280 $512 $332 $1,260
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However, there are a few things you can do to find the cheapest Buick insurance rates online.

What Impacts the Cost of Buick Encore Insurance?

The Buick Encore trim and model you choose can impact the total price you will pay for Buick Encore insurance coverage.

Age of the Vehicle

Older Buick Encore models generally cost less to insure. For example, auto insurance for a 2020 Buick Encore costs $1,414, while 2013 Buick Encore insurance costs are $1,278, a difference of $136.

Model Year Comprehensive Collision Liability Total
2020 Buick Encore $322 $562 $372 $1,414
2019 Buick Encore $306 $542 $390 $1,396
2018 Buick Encore $294 $536 $398 $1,386
2017 Buick Encore $284 $524 $416 $1,382
2016 Buick Encore $274 $502 $430 $1,364
2015 Buick Encore $260 $484 $442 $1,344
2014 Buick Encore $250 $450 $452 $1,310
2013 Buick Encore $240 $424 $456 $1,278
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Driver Age

Driver age can have a significant impact on Buick Encore auto insurance rates. As an example, a 40-year-old driver could pay $149 less each month for their Buick Encore auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Buick Encore insurance rates. For example, drivers in New York may pay $368 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Buick Encore auto insurance. Teens and drivers in their 20’s see the highest jump in their Buick Encore auto insurance rates with violations on their driving record.

Buick Encore Safety Ratings

Your Buick Encore auto insurance rates are influenced by the Buick Encore’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Buick Encore Crash Test Ratings

Buick Encore crash test ratings will affect your Buick Encore car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Buick Encore SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Buick Encore SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Buick Encore GX SUV FWD 4 stars 4 stars 5 stars 4 stars
2020 Buick Encore GX SUV AWD 4 stars 4 stars 5 stars 4 stars
2019 Buick Encore SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Buick Encore SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Buick Encore SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Buick Encore SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Buick Encore SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Buick Encore SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Buick Encore SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Buick Encore SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Buick Encore Safety Features

Having a variety of safety features on your Buick Encore can help lower your Buick Encore insurance costs. The Buick Encore’s safety features include:

  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Buick Encore Insurance Loss Probability

The Buick Encore’s insurance loss probability varies between different coverage types. The lower percentage means lower Buick Encore auto insurance costs; higher percentages mean higher Buick Encore auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -10%
Property Damage -17%
Comprehensive -17%
Personal Injury 10%
Medical Payment 5%
Bodily Injury -3%
Source: Insurance Institute for Highway Safety
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Buick Encore Finance and Insurance Cost

If you are financing a Buick Encore, you will pay more if you purchase Buick Encore car insurance at the dealership, so be sure to shop around and compare Buick Encore car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Buick Encore Insurance

Although it may seem like your Buick Encore car insurance rates are set, there are a few measures that you can take to secure the best Buick Encore car insurance rates possible. Take a look at the following five ways to save on Buick Encore auto insurance.

  • Understand that Insurance Companies Can’t Change Your Buick Encore Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Get Buick Encore Auto Insurance Through Costco
  • Remove Young Drivers from Your Buick Encore Insurance Plan
  • Buy Winter Tires for Your Buick Encore
  • Ask Your Insurance Company About Buick Encore Discounts

Top Buick Encore Insurance Companies

Several insurance companies offer competitive rates for the Buick Encore based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Buick Encore drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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