Buick Encore Auto Insurance (2024)
Buick Encore insurance rates cost $1,414 a year, or around $118 a month. Comprehensive, collision, and liability insurance cost around $344, $503, and $399, respectively.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 21, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jul 21, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 are $105 cheaper than the average vehicle. You can pay as low as $108 per month for full coverage, but if you’re a high-risk driver, you could pay up to $431 per month. Continue reading to learn how you can save money on Buick Encore insurance rates.
You can start comparing quotes for Buick Encore insurance rates from some of the best auto insurance companies by using our free online tool now. Learn more about Buick auto insurance.
Buick Encore Insurance Cost
The average Buick Encore 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 Jeep Wrangler, Ford Explorer, and Volvo XC60.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Buick Encore | $322 | $562 | $372 | $1,414 |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Volvo XC60 | $306 | $536 | $338 | $1,316 |
| Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
| Dodge Durango | $348 | $562 | $372 | $1,440 |
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 will affect the total price you will pay for Buick Encore insurance coverage.
Age of the Vehicle
The average Buick Encore insurance rates are higher for newer models. 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 Houston may pay $1,042 a year more than drivers in Columbus.
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 with violations on their driving record.
Buick Encore Safety Ratings
Your Buick Encore insurance rates are tied to the safety ratings of the Buick Encore. 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 can impact the cost of your Buick Encore auto insurance. See Buick Encore crash test results below:
| 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
The numerous safety features of the Buick Encore help contribute to lower insurance rates. The 2020 Buick Encore has the following safety features:
- 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 lower percentage means lower Buick Encore auto insurance costs; higher percentages mean higher Buick Encore auto insurance costs. Compare the following Buick Encore auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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 auto insurance at the dealership, so be sure to shop around and compare Buick Encore insurance ratesfrom the best companies using our FREE tool below.
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Ways to Save on Buick Encore Insurance
You have more options at your disposal to save money on your Buick Encore insurance costs. For example, try these five tips:
- Understand the Different Types of Auto Insurance for Your Buick Encore
- Make Sure You Use an Accredited Driver Safety Program
- Ask About Loyalty Discounts
- Get a Plan with Only Liability Coverage If You’re Driving an Older Buick Encore
- Bundle Your Buick Encore Auto Insurance with Home Insurance
Top Buick Encore Insurance Companies
The best auto insurance companies for Buick Encore insurance rates will offer competitive rates, discounts, and account for the Buick Encore’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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
Is Buick Encore auto insurance any different from insurance for other Buick models?
Buick Encore auto insurance is similar to insurance for other Buick models. However, insurance rates can vary depending on factors such as the model’s safety features, repair costs, theft rates, and the driver’s profile. It’s advisable to obtain quotes from multiple insurance providers to compare premiums specifically for the Buick Encore.
What types of coverage are available for Buick Encore auto insurance?
Buick Encore auto insurance typically offers the same coverage options as insurance for other vehicles. These options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and optional coverages such as roadside assistance and rental reimbursement. The specific coverage options available may vary depending on the insurance provider and policy.
Are Buick Encore vehicles more expensive to insure compared to other car models?
The cost of insurance for a Buick Encore can vary based on factors such as the model’s safety features, repair costs, and theft rates. While the Buick Encore is generally known for its safety features, insurance rates can still be influenced by other factors such as the driver’s profile and location. Obtaining quotes from multiple insurance providers is recommended to compare premiums for the Buick Encore.
Can I get discounts on Buick Encore auto insurance?
Yes, many insurance providers offer discounts on Buick Encore auto insurance. Common discounts include multi-car discounts, safe driver discounts, discounts for anti-theft devices or safety features on the Buick Encore, and discounts for bundling multiple policies with the same insurer. Inquire with insurance providers about available discounts specifically for the Buick Encore.
Can I use any insurance provider for my Buick Encore, or are there recommended companies?
You can choose any insurance provider for your Buick Encore. However, it’s recommended to research and compare quotes from different insurance companies to find the best coverage and rates for your specific needs. Consider factors such as the company’s reputation, customer service, coverage options, and financial stability when selecting an insurance provider for your Buick Encore.
Do I need any additional coverage for a leased or financed Buick Encore vehicle?
If you lease or finance a Buick Encore vehicle, the leasing or financing company may require you to carry specific coverage types or higher coverage limits. This is to protect their financial interest in the vehicle. Common requirements include comprehensive and collision coverage. It’s essential to review the terms of your lease or finance agreement and consult with your insurance provider to ensure compliance with any specific requirements.
What steps can I take to potentially lower the insurance rates for my Buick Encore vehicle?
To potentially lower insurance rates for your Buick Encore vehicle, you can consider factors such as maintaining a clean driving record, installing anti-theft devices, taking advantage of available discounts, opting for higher deductibles, and bundling your auto insurance with other policies. Additionally, comparing quotes from multiple insurance providers can help you find competitive rates for your Buick Encore.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.