Buick Encore Car Insurance Cost 2025
On average, insuring a Buick Encore costs $1,566 per year. However, the actual cost can vary depending on factors like your age, the car’s model year, and other personal details. Refer to our quote tables below for a personalized cost estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Buick Encore, it’s essential to consider the cost of insurance. Insurance plays a significant role in owning a car, and it’s important to understand what you’re committing to before making a purchase. On average, insurance for a Buick Encore costs $1,566 per year.
Choosing the right car insurance policy is crucial to avoid unexpected and potentially costly outcomes in the future. You wouldn’t want to be underinsured in the event of an accident, facing substantial out-of-pocket expenses. Additionally, there’s the possibility of premium increases if you’re found at fault.
With more than ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving record, and location can have a significant impact on your insurance premiums.
How Much Does A Buick Encore Car Insurance Cost?
On average, Buick Encore drivers can expect to pay around $1,566 per year for car insurance.
The cost of car insurance can vary significantly based on several factors. These include your location, driving history, the model year of your car, and the type of coverage you choose. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in an urban area with heavy traffic often results in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage you select affects your premium—comprehensive insurance, which includes both comprehensive and collision coverage, generally costs more than minimum liability coverage.
As shown in the table below, the cost of insurance for a Buick Encore is lower than the average for all Buick models and is also cheaper compared to the overall average for all cars.
Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Buick Encore | $149 |
| All Buicks | $154 |
| All Cars | $175 |
Average Insurance Cost Of Buick Encore By Model Year
| Model Year | Average Premium |
| 2022 Buick Encore | $631 |
| 2021 Buick Encore | $693 |
| 2020 Buick Encore | $563 |
| 2019 Buick Encore | $602 |
| 2018 Buick Encore | $567 |
| 2017 Buick Encore | $527 |
| 2016 Buick Encore | $513 |
| 2015 Buick Encore | $410 |
| 2014 Buick Encore | $588 |
| 2013 Buick Encore | $512 |
2022 Buick Encore Insurance Rates
The average annual insurance cost for a 2022 Buick Encore is $631. However, Safeco offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $738 |
| Concord Group | $593 |
| Safeco | $379 |
| Direct Auto | $576 |
| Countryway Insurance | $761 |
| American National P | $415 |
| NatGen Value | $748 |
| Kemper Personal Insurance | $679 |
| Mercury Insurance | $641 |
| AssuranceAmerica Mobile Max | $784 |
2021 Buick Encore Insurance Rates
The average annual insurance cost for a 2021 Buick Encore is $693. However, Safeco offers the cheapest rates, averaging $553 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $553 |
| American National P | $593 |
| Dairyland Broadform | $601 |
| NatGen Custom 360 | $540 |
| Countryway Insurance | $810 |
| Mercury Insurance | $602 |
| Concord Group | $839 |
| National General Value | $781 |
| Victoria | $933 |
| NatGen PPA | $680 |
2020 Buick Encore Insurance Rates
The average annual insurance cost for a 2020 Buick Encore is $563. However, Kemper Premium offers the cheapest rates, averaging $120 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $744 |
| NatGen Custom 360 | $478 |
| NatGen Value | $679 |
| Countryway Insurance | $780 |
| Safeco | $425 |
| Kemper Auto Premium | $661 |
| Mercury Insurance | $403 |
| Kemper Auto Premier | $605 |
| Kemper Premium | $120 |
| American National P | $735 |
2019 Buick Encore Insurance Rates
The average annual insurance cost for a 2019 Buick Encore is $602. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $159 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $794 |
| Mercury Insurance | $536 |
| Utica National Ins Group | $849 |
| Kemper Personal Insurance | $137 |
| Safeco | $435 |
| AssuranceAmerica Mobile Max | $159 |
| IMT Insurance Company | $841 |
| Concord Group | $760 |
| Countryway Insurance | $789 |
| American National P | $722 |
2018 Buick Encore Insurance Rates
The average annual insurance cost for a 2018 Buick Encore is $567. However, Safeco offers the cheapest rates, averaging $209 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $347 |
| Safeco | $209 |
| American National P | $588 |
| Utica National Ins Group | $754 |
| Partners Mutual Insurance Co | $794 |
| Mercury Insurance | $754 |
| AssuranceAmerica Mobile Max | $451 |
| NatGen Custom 360 | $450 |
| IMT Insurance Company | $821 |
| American National P&C | $503 |
2017 Buick Encore Insurance Rates
The average annual insurance cost for a 2017 Buick Encore is $527. However, Safeco offers the cheapest rates, averaging $161 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $750 |
| AssuranceAmerica Mobile Max | $520 |
| Dairyland Broadform | $344 |
| NatGen PPA | $749 |
| Safeco | $161 |
| NatGen Custom 360 | $307 |
| Dairyland FR Bond | $517 |
| NatGen Value | $624 |
| Mercury Insurance | $600 |
| American National P | $653 |
2016 Buick Encore Insurance Rates
The average annual insurance cost for a 2016 Buick Encore is $513. However, NatGen Custom 360 offers the cheapest rates, averaging $168 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $902 |
| Safeco | $171 |
| Mercury Insurance | $512 |
| NatGen Advantage | $434 |
| MMG Insurance Company | $841 |
| American National P | $421 |
| PEMCO | $847 |
| Dairyland FR Bond | $266 |
| Dairyland Broadform | $570 |
| NatGen Custom 360 | $168 |
2015 Buick Encore Insurance Rates
The average annual insurance cost for a 2015 Buick Encore is $410. However, NatGen Custom 360 offers the cheapest rates, averaging $96 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $296 |
| Safeco | $276 |
| PEMCO | $802 |
| NatGen Custom 360 | $96 |
| American National P | $556 |
| Countryway Insurance | $809 |
| Mercury Insurance | $456 |
| Kemper Auto Premium | $421 |
| Kemper Personal Insurance | $192 |
| National General RAD | $196 |
2014 Buick Encore Insurance Rates
The average annual insurance cost for a 2014 Buick Encore is $588. However, Kemper Personal Insurance offers the cheapest rates, averaging $151 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $560 |
| PEMCO | $786 |
| Countryway Insurance | $689 |
| Kemper Personal Insurance | $151 |
| American National P | $416 |
| Concord Group | $762 |
| Safeco | $280 |
| Indiana Farmers Mutual Ins | $862 |
| Buckeye Insurance Group | $653 |
| Pekin Insurance | $717 |
2013 Buick Encore Insurance Rates
The average annual insurance cost for a 2013 Buick Encore is $512. However, Mercury Insurance offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $119 |
| American National P | $787 |
| Buckeye Insurance Group | $697 |
| Dairyland FR Bond | $211 |
| Pekin Insurance | $691 |
| NatGen Value | $633 |
| SECURA Insurance | $721 |
| Safeco | $233 |
| NatGen Custom 360 | $583 |
| Kemper Auto | Infinity | $440 |
Find Affordable Buick Encore Insurance Rates
Is A Buick Encore Expensive To Insure?
Insuring a Buick Encore is generally cheaper than the overall average for all cars. However, the exact amount you’ll pay for car insurance depends on several factors, including your age, the age of your car, your location, and more.
Cost of Buick Encore Car Insurance By Age
Age is a key factor in determining insurance rates for any vehicle. Teenagers usually face the highest premiums because they are statistically more likely to be involved in accidents compared to other age groups. As you age and gain more driving experience, your premiums typically decrease, as you’re considered a lower risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,610 | $9,655 | $11,324 |
| 18 | $6,176 | $9,068 | $10,616 |
| 19 | $5,399 | $7,933 | $9,386 |
| 20 | $4,700 | $6,933 | $8,102 |
| 21 | $3,983 | $5,822 | $6,844 |
| 22 | $3,882 | $5,640 | $6,601 |
| 23 | $3,393 | $4,928 | $5,795 |
| 24 | $3,255 | $4,745 | $5,538 |
| 25 | $2,804 | $4,067 | $4,797 |
| 30 | $2,145 | $3,154 | $3,715 |
| 35 | $1,986 | $2,948 | $3,528 |
| 40 | $1,948 | $2,854 | $3,344 |
| 45 | $1,848 | $2,747 | $3,263 |
| 55 | $1,779 | $2,566 | $2,939 |
| 65 | $1,850 | $2,639 | $3,120 |
| 75 | $2,250 | $3,377 | $3,952 |
Buick Encore Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers tend to pay higher premiums because the state mandates higher levels of coverage. Additionally, each location has a unique climate. Some states experience extreme weather, such as hurricanes, storms, and flooding.
Moreover, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies consider all of these factors when calculating your exact Buick Encore insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,063 | $2,988 | $3,772 |
| Alaska | $1,732 | $2,388 | $2,320 |
| Arizona | $1,931 | $2,802 | $4,086 |
| Arkansas | $2,070 | $3,276 | $3,685 |
| California | $2,349 | $4,165 | $2,328 |
| Colorado | $2,158 | $3,111 | $3,930 |
| Connecticut | $2,794 | $4,314 | $5,513 |
| Delaware | $2,351 | $3,139 | $3,988 |
| Florida | $2,786 | $3,857 | $5,014 |
| Georgia | $2,249 | $3,388 | $3,383 |
| Hawaii | $868 | $1,219 | $873 |
| Idaho | $1,543 | $2,110 | $2,576 |
| Illinois | $1,618 | $2,517 | $2,846 |
| Indiana | $1,723 | $2,624 | $2,902 |
| Iowa | $1,348 | $1,862 | $2,103 |
| Kansas | $1,771 | $2,633 | $2,977 |
| Kentucky | $2,577 | $3,766 | $4,455 |
| Louisiana | $3,308 | $4,944 | $5,403 |
| Maine | $1,282 | $1,767 | $2,512 |
| Maryland | $2,030 | $2,939 | $3,305 |
| Massachusetts | $1,620 | $2,809 | $1,645 |
| Michigan | $3,920 | $5,956 | $9,351 |
| Minnesota | $1,615 | $2,127 | $2,994 |
| Mississippi | $1,917 | $2,807 | $2,776 |
| Missouri | $1,869 | $2,630 | $3,432 |
| Montana | $1,849 | $2,587 | $3,007 |
| Nebraska | $1,529 | $2,309 | $2,512 |
| Nevada | $2,588 | $3,805 | $4,037 |
| New Hampshire | $1,774 | $2,805 | $3,616 |
| New Jersey | $1,962 | $3,077 | $4,126 |
| New Mexico | $1,985 | $3,055 | $3,088 |
| New York | $1,890 | $2,395 | $3,996 |
| North Carolina | $1,143 | $2,014 | $1,473 |
| North Dakota | $1,578 | $2,413 | $2,851 |
| Ohio | $1,402 | $2,163 | $2,263 |
| Oklahoma | $2,222 | $3,231 | $3,632 |
| Oregon | $2,049 | $2,749 | $3,271 |
| Pennsylvania | $1,776 | $2,552 | $2,968 |
| Rhode Island | $2,896 | $4,249 | $4,838 |
| South Carolina | $2,014 | $2,751 | $3,788 |
| South Dakota | $1,809 | $2,536 | $2,942 |
| Tennessee | $2,052 | $3,105 | $4,126 |
| Texas | $2,107 | $3,076 | $3,734 |
| Utah | $1,807 | $2,516 | $3,456 |
| Vermont | $1,408 | $2,100 | $2,219 |
| Virginia | $1,295 | $1,958 | $1,985 |
| Washington | $1,687 | $2,370 | $2,755 |
| West Virginia | $1,757 | $2,436 | $3,067 |
| Wisconsin | $1,679 | $2,714 | $3,041 |
| Wyoming | $1,642 | $2,261 | $2,378 |
Find Affordable Buick Encore Insurance Rates
Cheapest Car Insurance Companies For A Buick Encore
If you’re looking to purchase a new car insurance policy for your Buick Encore, then you might want to know who the cheapest insurance companies are.
For drivers solely looking for the most affordable policy, Ohio Mutual offer a $27 per month premium, making them the cheapest provider for a Buick Encore. However, rates can fluctuate based on your driver profile, so this rate is just an average. In order to find the affordable rates for your profile, the best thing to do is shop around and compare quotes.
| Company | Average Monthly Rate |
| Ohio Mutual | $27 |
| Verti | $47 |
| StateAuto | $34 |
| AnswerFinancial | $42 |
| Hallmark | $34 |
Common Buick Encore Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each insurance provider offers different discounts, here are some common ones to check if you qualify for:
- Multi-policy: Bundling your home and auto insurance with the same provider often leads to a discounted rate.
- Pay annually: Paying your premium in full rather than monthly can earn you a discount.
- Defensive driving: Completing a defensive driving course from an accredited institution can make you eligible for a discount.
There may be other discounts available. It’s worth talking to your insurance agent to learn which ones you might be able to apply for.
Ways To Save On Buick Encore Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your Buick Encore insurance costs. Speeding tickets or accidents can increase your premiums. For example, drivers with a ticket on their record can expect to pay around $96 per month, while those with multiple accidents may face an average of $134 per month. Avoiding these incidents helps keep your costs low.
Additionally, drivers with lower annual mileage tend to pay less for insurance, as fewer miles on the road mean fewer chances for accidents, making them a lower risk to insure. Buick Encore drivers who drive between 5,000 and 7,500 miles annually typically pay around $78 per month for insurance, while those who drive over 10,000 miles per year may pay $82 per month.
Compare Buick Encore To Other Buick Models
Looking for other Buick model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures are averages, and your personal insurance costs may vary depending on your specific circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Buick Encore?
Yes, you’ll need to provide proof of insurance before you can drive your Buick Encore off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than relying on insurance provided through the dealership. This ensures you’re covered right from the moment you drive the car home.
How Can You Get The Cheapest Insurance For Your Buick Encore?
The most effective way to find the cheapest rates for your Buick Encore is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple companies directly on our website, helping you find the best deal for your needs.
