Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Sep 4, 2020

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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.

Table of Contents

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 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
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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 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
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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
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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
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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
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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
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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.