Best Buick Encore Car Insurance Quotes (2024)
If you want to buy affordable Buick Encore insurance coverage then you should know that a policy will cost $118 per month ($1,414 per year) on average. Finding Buick Encore teenager insurance rates can cost on average $5,168 a year, so shop around to find cheap coverage.
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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: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance rates are about $105 less per year than the average vehicle with full coverage costing around $1,414 a year or $118 a month. The highest car insurance rates are for teens who will pay about $5,168 a year or $431 a month as they’re considered to be high-risk drivers.
Good drivers save up to $583 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at affordable Buick Encore insurance rates, safety ratings, and more.
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.
What is the average cost of insurance for a Buick Encore insurance?
The average rates for a Buick Encore are $1,414 a year or $118 a month. The average rates for this car are not too high but still higher than the typical car rates.
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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 Acura MDX, Audi Q3, and Toyota Highlander.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Buick Encore | $322 | $562 | $372 | $1,414 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
| Audi Q3 | $344 | $686 | $398 | $1,586 |
| Toyota Highlander | $332 | $512 | $390 | $1,392 |
| Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| Ford Edge | $266 | $500 | $372 | $1,296 |
| Cadillac XT5 | $376 | $718 | $372 | $1,624 |
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
Older Buick Encore models generally cost less to insure. For example, car 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 the cost of Buick Encore auto insurance. For example, 20-year-old drivers pay approximately $1,730 each year for their Buick Encore auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Buick Encore insurance rates. For example, drivers in Jacksonville may pay $848 a year more than drivers in Indianapolis.
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.
Is the Buick Encore a reliable car?
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
Not only do good Buick Encore crash test ratings mean you are better protected in a crash, but good Buick Encore crash ratings also mean cheaper 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
Most drivers don’t realize that not only do Buick Encore safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Buick Encore auto insurance rates. 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 for each form of coverage. The lower percentage means lower Buick Encore auto insurance rates; higher percentages mean higher Buick Encore car insurance rates.
| 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, most lenders will require your carry higher Buick Encore coverage options including comprehensive coverage, so be sure to shop around and compare Buick Encore auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save When You Buy Buick Encore Auto Insurance
Drivers can end up saving more money on their Buick Encore car insurance rates by employing any one of the following strategies.
- Compare Insurance Companies After Moving
- Park Your Buick Encore Somewhere Safe – like a Garage or Private Driveway
- Ask for a Buick Encore Discount If You Have College Degree or Higher
- Ask About Student Discounts
- Choose a Buick Encore with Cheaper Repair Costs
Top Buick Encore Auto Insurance Companies
With major providers like Allstate insurance and Progressive insurance offering plans, what is the top car insurance company for Buick Encore insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Buick Encore auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Buick Encore offers.
| 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 | |||
Compare Free Buick Encore Insurance Quotes Online
You can start comparing quotes for Buick Encore auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What is the Buick Encore?.
The Buick Encore is a subcompact crossover SUV produced by General Motors under the Buick brand
How much does it cost to insure a Buick Encore?
The cost of insurance for a Buick Encore will depend on various factors, such as your driving history, location, age, and more. However, on average, the annual cost of insurance for a Buick Encore is around $1,200 to $1,500.
What are the available safety features on the Buick Encore?
The Buick Encore comes with various safety features, including a rearview camera, rear parking sensors, blind-spot monitoring, rear cross-traffic alert, forward collision warning, and lane departure warning.
How can I get the best insurance rate for my Buick Encore?
To get the best insurance rate for your Buick Encore, you can consider the following tips:
- Compare quotes from multiple insurance providers to find the best deal.
- Opt for a higher deductible, as it can lower your premium.
- Consider bundling your car insurance with other policies, such as homeowners or renters insurance, to get a discount.
- Maintain a good driving record and credit score, as they can affect your insurance rate.
Should I get full coverage for my Buick Encore?
Whether you should get full coverage for your Buick Encore depends on your individual circumstances, such as your financial situation and how much you can afford to pay out of pocket in the event of an accident. Full coverage typically includes liability, collision, and comprehensive coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.