Are Buick Encores Expensive to Insure? [List of Money Saving Tips]
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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 25, 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 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.
Table of Contents
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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