Compare Buick Encore Insurance Quotes [Rates + Coverage Guide]

Want to compare Buick Encore insurance quotes for free? Enter your ZIP code below. Average Buick Encore auto insurance rates are $118 a month, but your driving record and the age of your vehicle will influence how much you pay for auto insurance. 2016 Buick Encore insurance costs less than a brand new model, so start comparison shopping now so you can get the best price for your Buick Encore insurance coverage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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

A liability-only policy for Buick Encore insurance rates costs around $567 a year or $47 each month. Buick Encore auto insurance rates don’t have to be expensive if you compare auto insurance quotes and right-size your coverage. Our Buick Encore car insurance rates guide will help you weigh several factors to consider when choosing the right Buick Encore insurance policy.

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 car insurance costs for a Buick Encore 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 Subaru Forester, Dodge Journey and Toyota Highlander.

Vehicle Comprehensive Collision Liability Total
Buick Encore $322 $562 $372 $1,414
Subaru Forester $346 $512 $332 $1,326
Dodge Journey $322 $532 $372 $1,384
Toyota Highlander $332 $512 $390 $1,392
Nissan Pathfinder $294 $452 $390 $1,294
Jeep Grand Cherokee $322 $562 $372 $1,414
Cadillac Escalade ESV $464 $720 $390 $1,732
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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

The average Buick Encore car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Buick Encore are $1,414, while 2013 Buick Encore rates 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 effect on Buick Encore car insurance rates. As an example, a 30-year-old driver pays around $62 more each year for their Buick Encore car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Buick Encore insurance rates. For example, drivers in Los Angeles may pay $778 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Buick Encore car 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

The Buick Encore’s safety ratings will affect your Buick Encore auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side A
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
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Buick Encore Crash Test Ratings

Buick Encore crash test ratings can impact your Buick Encore car insurance rates. See Buick Encore crash test results below:

Federal Government Crash Test Ratings 2021 2020 2019
Overall Rating 5 5 5
Frontal Crash 5 5 5
Side Crash 5 5 5
Rollover 4 4 4
Source: National Highway Traffic Safety Administration

Buick Encore Safety Features

Having a variety of safety features on your Buick Encore can help lower your insurance costs. According to AutoBlog, the 2020 Buick Encore’s safety features include:

  • Brakes, 4-wheel antilock, 4-wheel disc
  • StabiliTrak, stability control system
  • Daytime Running Lamps, separate cavity, LED
  • Airbags, frontal and knee for driver and front passenger
  • Seat-mounted side-impact and head-curtain for front and rear seating positions
  • Passenger Sensing Airbag System,
  • Seat belt, 3-point, driver
  • Seat belt, 3-point, front passenger
  • Seat belts, 3-point rear
  • Restraint provisions
  • OnStar and Buick connected services capable
  • Rear Vision Camera
  • Door locks
  • Child security rear
  • Tire Pressure Monitoring System

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%
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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 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Buick Encore Insurance

There are several ways you can save even more on your Buick Encore car insurance rates. Take a look at the following three tips:

  1. Buy an Older Buick Encore for Cheap Auto Insurance Rates
  2. Provide Your Buick Encore VIN When Requesting Buick Encore Auto Insurance Quotes
  3. Choose Automatic Payments or EFT for Your Buick Encore Insurance Policy

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: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings
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To start comparing Buick Encore car insurance quotes for free, use our online car insurance comparison tool.

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