Online Buick Encore Insurance Rates [List of Money Saving Tips]

Average auto insurance rates for a Buick Encore cost $1,414 a year, or around $118 a month. You can find cheap Buick Encore insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $831 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 22, 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 car insurance rates cost an average of $118 every month, or $1,414 a year. Some of the factors that influence an individual’s Buick Encore rates include driver and vehicle age, along with the model’s safety features. In order to figure out what Buick Encore insurance rates will look like for you, take the time to read through this comprehensive article.

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 auto 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 Ford Edge, Kia Telluride, and Mitsubishi Outlander.

Vehicle Comprehensive Collision Liability Total
Buick Encore $322 $562 $372 $1,414
Ford Edge $266 $500 $372 $1,296
Kia Telluride $376 $688 $316 $1,516
Mitsubishi Outlander $306 $542 $332 $1,316
Lexus RX 350 $358 $660 $440 $1,638
Cadillac Escalade ESV $464 $720 $390 $1,732
Volkswagen Touareg $372 $690 $390 $1,610
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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?

You might have noticed that there is a multitude of factors that impact Buick Encore car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Buick Encore.

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
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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 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 rates with violations on their driving record.

Buick Encore Safety Ratings

Your Buick Encore car 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
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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 crash ratings also mean cheaper Buick Encore auto 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

The Buick Encore safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your 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 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
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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

There are many ways that you can save on Buick Encore car insurance. Below are five actions you can take to find cheap Buick Encore auto insurance rates.

  • Ask About Student Discounts
  • Compare Buick Encore Quotes for Free Online
  • Install an Aftermarket Anti-Theft Device for Your Buick Encore
  • Wait Six Years for Accidents to Disappear from Your Record
  • Ask About Retiree Discounts

Top Buick Encore Insurance Companies

Who 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

Start comparing Buick Encore car insurance quotes for free by using our convenient online comparison tool.

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Average Monthly Car Insurance Rates by State