UPDATED: Jun 25, 2020
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- 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.
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.
|Mercedes-Benz GLC 300||$412||$810||$390||$1,770|
|Mitsubishi Outlander Sport||$280||$512||$332||$1,260|
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.
|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|
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.
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:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Acceptable|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
Buick Encore Crash Test Ratings
Buick Encore crash test ratings will affect your Buick Encore car insurance rates.
|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|
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|
|Source: Insurance Institute for Highway Safety|
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.
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.
|Source: Insurance Information Institute|
Compare Free Buick Encore Insurance Quotes Online
Start comparing Buick Encore auto insurance quotes for free by using our FREE online comparison tool.