Best Buick Encore GX Auto Insurance in 2025 (Top 10 Companies Ranked)

The best Buick Encore GX auto insurance providers are State Farm, Geico, and Progressive, offering rates as low as $60 per month. These companies stand out for their competitive pricing and comprehensive coverage options. Understanding these factors can help drivers effectively manage their Buick insurance cost and find the best fit for their needs.

This article provides insights into the best Buick Encore GX auto insurance options, also offers detailed comparisons of rates and coverage, helping Buick Encore GX owners make informed decisions to secure affordable auto insurance premiums and optimal protection for their vehicles.

Our Top 10 Company Picks: Best Buick Encore GX Auto Insurance

Get started on comparing full coverage auto insurance rates by entering your ZIP code below.

#1 – State Farm: Top Overall Pick

Pros

• Wide Network of Agents: State Farm auto insurance review highlights the broad network of local agents, making it easy for Buick Encore GX owners to receive personalized assistance and advice specific to their insurance needs.
• Discounts for Safe Drivers: State Farm provides significant discounts for safe drivers, which can help Buick Encore GX owners lower their overall insurance costs while rewarding them for their good driving habits.
• Bundling Options: State Farm offers attractive bundling options, allowing Buick Encore GX owners to save money by combining their auto insurance with other policies like home or renters insurance.

Cons

• Higher Premiums for Younger Drivers: Buick Encore GX owners who are younger drivers may find State Farm’s premiums higher compared to other providers, making it less affordable for this demographic.
• Limited Online Tools: State Farm’s online tools and mobile app may not be as advanced as competitors, which can be a disadvantage for Buick Encore GX owners who prefer managing their policies digitally.

#2 – Geico: Best for Extensive Discounts

Pros

• Competitive Rates: Geico offers some of the most competitive rates in the market, making it an excellent choice for Buick Encore GX owners looking to save on their auto insurance premiums.
• User-Friendly Mobile App: Geico’s mobile app is highly rated and user-friendly, allowing Buick Encore GX owners to easily manage their policies, file claims, and access their insurance information on the go.
• Extensive Discount Options: Geico provides a wide range of discounts, including for good drivers, multi-policy holders, and federal employees, helping Buick Encore GX owners reduce their insurance costs significantly. Learn more details in our page titled Geico auto insurance review.

Cons

• Customer Service Limitations: While Geico excels in digital tools, some Buick Encore GX owners may find their customer service less personalized compared to insurers with a strong local agent presence.
• Higher Rates After Accidents: Geico tends to raise premiums significantly after an at-fault accident, which could result in higher costs for Buick Encore GX owners with less-than-perfect driving records.

#3 – Progressive: Best for Flexible Coverage

Pros

• Usage-Based Insurance Options: Progressive auto insurance review showcases the Snapshot program for Buick Encore GX owners to save based on their actual driving habits, which can be particularly beneficial for safe drivers.
• Comprehensive Coverage Options: Progressive provides a wide array of coverage options, allowing Buick Encore GX owners to customize their policies to fit their specific needs and preferences.
• 24/7 Customer Support: With 24/7 customer support, Progressive ensures that Buick Encore GX owners can get help and file claims anytime, offering peace of mind and convenience.

Cons

• Complex Discount Structure: Progressive’s discount structure can be complex and difficult for Buick Encore GX owners to navigate, potentially making it hard to understand and maximize savings.
• Higher Rates for High-Risk Drivers: Buick Encore GX owners who are considered high-risk drivers may face higher premiums with Progressive, making it less attractive for those with a spotty driving history.

#4 – Allstate: Best for Local Agents

Pros

• Robust Claims Process: Allstate’s Claim Satisfaction Guarantee ensures Buick Encore GX owners receive a high level of service and satisfaction when filing claims, offering reassurance during stressful times.
• Wide Range of Discounts: As mentioned in our Allstate auto insurance review, Allstate offers various discounts, including for new cars and safe drivers, which can help Buick Encore GX owners reduce their insurance premiums effectively.
• Strong Financial Ratings: Allstate’s solid financial ratings indicate reliability and stability, ensuring Buick Encore GX owners that the company is capable of handling large claims and payouts.

Cons

• Higher Premiums: Allstate’s premiums tend to be higher compared to other providers, which may make it less attractive for Buick Encore GX owners looking for budget-friendly options.
• Limited Availability of Local Agents: In some areas, Buick Encore GX owners may find fewer local Allstate agents available, which can limit access to personalized in-person service.

#5 – Nationwide: Best for Claims Satisfaction

Pros

• Vanishing Deductible Program: Nationwide’s Vanishing Deductible program rewards Buick Encore GX owners for safe driving by reducing their deductible over time, potentially saving them money in the long run.
• Strong Customer Service: Nationwide is known for its strong customer service, ensuring that Buick Encore GX owners receive prompt and helpful assistance when needed. For more information, read our Nationwide auto insurance review.
• Customizable Policies: Nationwide offers customizable policies, allowing Buick Encore GX owners to tailor their coverage to meet their specific needs and preferences.

Cons

• Limited Availability in Some Regions: Nationwide’s coverage might not be as widely available in all regions, which could be a drawback for Buick Encore GX owners living in less populated areas.
• Higher Rates for Older Vehicles: Buick Encore GX owners with older models may face higher premiums with Nationwide, making it less cost-effective for those driving older cars.

#6 – Farmers: Best for Customizable Coverage

Pros

• Extensive Coverage Options: Farmers offers a wide range of coverage options, enabling Buick Encore GX owners to customize their policies to fit their exact needs and preferences. See more details in our page titled Farmers auto insurance review.
• Accident Forgiveness: Farmers’ accident forgiveness program can be highly beneficial for Buick Encore GX owners, as it prevents their premiums from increasing after their first at-fault accident.
• Strong Local Agent Network: With a strong network of local agents, Farmers provides Buick Encore GX owners with personalized service and support, ensuring they receive tailored advice and assistance.

Cons

• Higher Premiums for New Drivers: Farmers may charge higher premiums for new or inexperienced Buick Encore GX drivers, making it less affordable for this demographic.
• Limited Online Tools: The online tools and digital resources offered by Farmers may not be as advanced as those of some competitors, which can be a disadvantage for tech-savvy Buick Encore GX owners.

#7 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Customizable Coverage: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual offers highly customizable coverage options, allowing Buick Encore GX owners to build a policy that fits their unique needs and budget.
• New Car Replacement: Liberty Mutual’s new car replacement program is a significant advantage for Buick Encore GX owners, providing a brand-new vehicle if theirs is totaled within the first year.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness program helps keep premiums steady for Buick Encore GX owners after their first at-fault accident, reducing long-term costs.

Cons

• Higher Rates for High-Risk Drivers: Liberty Mutual tends to charge higher premiums for high-risk drivers, which could be a drawback for Buick Encore GX owners with poor driving records.
• Customer Service Variability: Some Buick Encore GX owners may experience inconsistent customer service quality, depending on their location and the specific Liberty Mutual office they interact with.

#8 – Travelers: Best for Financial Stability

Pros

• Competitive Rates: As outlined in our Travelers auto insurance review, Travelers offers competitive rates, making it an attractive option for Buick Encore GX owners looking to save on their auto insurance premiums.
• Excellent Financial Strength: With strong financial ratings, Travelers provides Buick Encore GX owners with confidence in the company’s ability to pay out claims promptly and efficiently.
• Broad Range of Discounts: Travelers offers a variety of discounts, including multi-policy and safe driver discounts, which can help Buick Encore GX owners lower their insurance costs.

Cons

• Limited Availability of Local Agents: In some areas, Buick Encore GX owners might find fewer Travelers agents available, which can limit access to personalized service.
• Complex Policy Options: Travelers’ policy options can be complex, making it difficult for Buick Encore GX owners to fully understand and choose the best coverage for their needs.

#9 – American Family: Best for Various Discounts

Pros

• Affordable Premiums: American Family offers affordable premiums for Buick Encore GX owners, making it a budget-friendly option without compromising on coverage quality.
• Strong Customer Service: American Family is known for its strong customer service, ensuring Buick Encore GX owners receive helpful and prompt assistance when needed. (Read More: American Family Auto Insurance Review).
• Wide Range of Discounts: With a broad range of discounts, including for safe drivers and bundling policies, American Family helps Buick Encore GX owners reduce their insurance costs significantly.

Cons

• Limited Availability: American Family may not be available in all states, which can be a drawback for Buick Encore GX owners living in areas where the company does not operate.
• Higher Rates for Young Drivers: Young Buick Encore GX drivers might face higher premiums with American Family, making it less cost-effective for this demographic.

#10 – USAA: Best for Military Personnel

Pros

• Low Premiums: USAA offers some of the lowest premiums in the market, making it a highly cost-effective choice for Buick Encore GX owners, especially for those with military affiliation.
• Excellent Customer Satisfaction: As mentioned in our USAA auto insurance review, USAA consistently ranks high in customer satisfaction, providing Buick Encore GX owners with reliable and top-notch service.
• Comprehensive Coverage Options: USAA offers comprehensive coverage options tailored to meet the needs of Buick Encore GX owners, ensuring they are well-protected on the road.

Cons

• Eligibility Restrictions: USAA is only available to military members and their families, which limits access for Buick Encore GX owners without military affiliation.
• Limited Local Offices: USAA has fewer local offices, which can be a disadvantage for Buick Encore GX owners who prefer in-person service and support.

Factors Impacting the Cost of Buick Encore GX Insurance

Your insurance rates for a Buick Encore GX can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Buick Encore GX.

Buick Encore GX Auto Insurance Monthly Rates by Coverage Level & Provider

The table above compares monthly rates for minimum and full coverage auto insurance for a Buick Encore GX from various providers. Comparing monthly insurance rates for the Buick Encore GX helps identify affordable coverage options.

Cost of Insuring Vehicles Like the Buick Encore GX

Buick Encore GX Pricing

If you’re looking to buy a Buick Encore GX, price is probably a factor for you. The MSRP of the Buick Encore GX is $24,200, but this price will depend on factors such as the chosen trim level, optional features, and potential dealer negotiations.

Ensuring you get cheap Buick auto insurance will also depend on the vehicle’s specifications and safety ratings, influencing insurance premiums significantly.

Buick Encore GX Crash Test Ratings

Buick Encore GX crash test ratings can significantly impact the cost of your Buick Encore GX car insurance. Higher safety ratings typically lead to lower insurance premiums, as insurers view vehicles with strong crash performance as less risky to insure.

The Encore GX’s ratings in categories such as frontal, side, and rollover tests provide crucial insights into its safety features, which may include advanced airbag systems and structural integrity.

As a result, drivers may benefit from reduced rates, especially if they qualify for additional discounts related to safety features or advanced driver-assistance systems, like lane departure warning and automatic emergency braking.

Overall, understanding these ratings can help you make informed choices when shopping for insurance, ensuring you select a policy that offers both comprehensive coverage and competitive pricing.

Ways to Save on Buick Encore GX Insurance

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

• Ask about loyalty discounts
• Ask for a higher deductible for your Buick Encore GX insurance policy
• Tell your insurer how you use your Buick Encore GX
• Buy a dashcam for your Buick Encore GX
• Ask about discounts for people with disabilities

Read More: How to Get a Customer Loyalty Auto Insurance Discount

Discover the variety of car insurance discounts offered by top providers for Buick Encore GX to help you save on your premiums.

These discounts from top insurance providers for Buick Encore GX offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.

Top Buick Encore GX Insurance Companies

Several insurance companies offer competitive rates for the Buick Encore GX based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Buick Encore GX drivers organized by market share.

Comparing free Buick Encore GX insurance quotes online. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.