Buy Cheap Buick Encore Auto Insurance in 2024
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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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
Are there any specific discounts available for insuring a Buick Encore?
Yes, there are various discounts available for insuring a Buick Encore. Some common discounts include safe driver discounts, multi-vehicle discounts, multi-policy discounts (when bundling auto insurance with other policies), and discounts for safety features such as anti-lock brakes, airbags, and anti-theft systems. It’s recommended to inquire with insurance providers to determine which discounts you may qualify for.
What are the recommended coverage options for insuring a Buick Encore?
The recommended coverage options for insuring a Buick Encore are liability coverage, which is typically required by law, to cover injuries or damages to others in an accident you cause, and comprehensive and collision coverage to protect your vehicle against theft, vandalism, accidents, and other non-collision incidents. It’s important to review your needs and consult with an insurance agent to determine the appropriate coverage levels for your specific situation.
How can I find cheap auto insurance for a Buick Encore?
To find cheap auto insurance for a Buick Encore, consider the following steps:
- Shop around and obtain quotes from multiple insurance providers to compare prices.
- Maintain a good driving record by avoiding accidents and traffic violations.
- Inquire about available discounts, such as safe driver discounts or discounts for bundling multiple policies.
- Adjust your coverage options and deductibles based on your specific needs and budget.
- Consider installing safety features or anti-theft devices, as they may qualify you for additional discounts.
- Seek guidance from an independent insurance agent who can help you explore different options and find the most affordable coverage.
Does the color of my Buick Encore affect my insurance rates?
No, the color of your Buick Encore does not typically affect your insurance rates. Insurance providers mainly consider factors such as the make, model, year, mileage, and condition of the vehicle, as well as the driver’s personal information and driving history when determining rates.
Are there any specific considerations for insuring a Buick Encore?
When insuring a Buick Encore, it’s important to consider factors such as the vehicle’s safety features, its value, and the local theft and accident rates in your area. Additionally, reviewing and understanding the terms, conditions, and exclusions of your insurance policy is crucial to ensure you have adequate coverage.
Can I get special insurance coverage for my Buick Encore if I use it for business purposes?
If you use your Buick Encore for business purposes, it’s important to inform your insurance provider, as personal auto insurance policies typically do not cover commercial activities. Depending on the nature of your business use, you may need to consider a commercial auto insurance policy or additional coverage options to adequately protect your vehicle.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.