Buick Encore Car Insurance: How Much Should You Expect to Pay?

Buick Encore owners pay an average of $143 a month for their auto insurance premiums. Our latest guide will help you learn about how much insurance carriers might charge you to insure your Buick Encore.

Quick Facts

  • It costs about the same to insure a Buick Encore as the average SUV.
  • Full coverage for an Encore usually tends to be around $146 per month, while liability only auto insurance rates come in at about $76.
  • ACG is the lowest car insurance carrier for an Encore.

Encore Overview

With new 2022 models starting at $24,200, the Buick Encore is a great budget-friendly option for any driver. You'll have your choice of three different trim levels, so you'll drive off the dealership lot in style.

Based on thousands of insurance quotes from Compare.com, we've found that Buick Encore car insurance prices are around $143 monthly, on average. But how does that compare to other similar SUVs on the market?

Current Base Price$24,200
Body Style(s)SUV
Trim LevelsESSENCE, SELECT, PREFERRED
Average Insurance Premium$143/mo.
Cheapest Insurance CompanyACG

How Much is Car Insurance for a Buick Encore?

Vehicle Liability Only Full Coverage
Buick Encore$76$146
All Buick Models$73$145
All SUVs$80$151
Average Insurance Premium$81$169

You can see in the table above that when you compare the Buick Encore to other vehicles, insurance premiums are more affordable than average. On average, Encore drivers will pay about $146 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 monthly for liability only insurance (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models from Buick, the Encore's insurance rate is on par with the rest of the company's vehicle offerings. But compared to other vehicles of a similar body style, Encore coverage is lower than average, with both full coverage and liability only insurance averaging less expensive rates than other SUVs.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Buick Encore?

Insurance Company Average Monthly Premium
Ohio Mutual$20
StateAuto$28
Hallmark$29
Verti$33
AnswerFinancial$34

Browsing for a car insurance policy for your Buick Encore? You're likely wondering which company offers the cheapest rates. Although there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $20 a month from Ohio Mutual. The next most affordable company is StateAuto, who offers auto insurance as low as $28 per month.

Hallmark, Verti, and AnswerFinancial round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Buick Encore.

After all, your results might be different, since insurance carriers look at a wide array of things when calculating rates. By reviewing quotes from a whole range of auto insurance companies at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Buick Encore?

There are a whole bunch of factors that insurance carriers reference to choose how much to charge you -- and every carrier weighs certain variables more than others, so there's not a singular company that's the lowest for everyone.

The following sections show an array of variables car insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$74
2-3 Years$73
4-5 Years$79
6-7 Years$81
8-10 Years$90
11-14 YearsNot Enough Data
15 Years or Older$40

The Buick Encore has been around for a while, so vehicle age will likely play a role in what you end up paying for auto insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go lower.

From the table above, you can see the Buick Encore is in line with this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are Encores that are 8 to 10 years old.

Your Age

Age Average Monthly Premium

Age plays a big role in how much car insurance carriers will charge for insurance. Based on the information in the table above, drivers who have more experience on the road pay less than young drivers. Buick Encore drivers who are 18 to 24 actually pay $32 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Encore drivers being 65 years and older.

Your Gender

Gender Average Monthly Premium
Male$75
Female$77

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men. Surprisingly, when it comes to Encore drivers specifically, men pay around 3% less than women a month for car insurance.

Where You Live

State Average Monthly Premium
California$52
Florida$120
Georgia$112
Illinois$56
New York$166
North Carolina$47
Ohio$42
Pennsylvania$51
Texas$63
Virginia$69

You may already know that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live can matter just as much? Because insurance is regulated at the state level, rates fluctuate quite a bit from state to state.

For example, the average Buick Encore owner from New York pays about $166 a month for liability coverage. Meanwhile, on average, the same driver in California will pay less than 50% of that price. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

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Buick Encore Car Insurance Discounts

Regardless of your home state, your age, or your car, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

  • Multi-vehicle discounts for having several cars on your auto policy
  • Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

These are just a few of the discounts insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Of course, you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), but you do have a say over some of it. Below are just a few of the variables you can use to your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$126
1 Ticket$91
Multiple Tickets$74

You've almost certainly observed ads from car insurance companies offering large savings for safe drivers. It makes sense that if you get into an accident or get tickets for speeding, insurance premiums will get higher. But exactly how much can it cost you for these infractions?

Looking at the table above, you'll notice that accidents will usually cost Encore drivers more than tickets, but both will result in a raise in rates. Buick Encore drivers with one accident on their record pay about $106 every month (up $30 from the $76/mo. overall average), while drivers with a single ticket will pay an average of $91 per month. The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$72
2,501-5,000 Miles$80
5,001-7,500 Miles$62
7,501-10,000 Miles$81
10,000+ Miles$71

Another variable that impacts your auto insurance rates is the total amount of miles you drive each year. Drivers who are on the roads less are more likely to go accident-free, so they'll generally end up spending less on insurance. In the above table, you can see that Buick Encore owners who drive between 7,500 and 10,000 miles pay $81 for car insurance, while those who drive between 5,000 and 7,500 miles each year pay an average of $62 monthly.

But if you drive a limited amount, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Buick Encores Compare to Other Vehicles?

If you're considering buying a new SUV and a Buick Encore is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Buick Encore stacks up:

Buick Encore National Average
Liability Insurance$86$81
Full Coverage Insurance$177$169
Base MSRP$24,200$46,192
Average Annual Mileage10,09811,617

With an MSRP that's a third less than the going rate for a new vehicle, the Buick Encore is a fantastic value for any budget. The Encore comes in at $24,200, which is much cheaper than the national average vehicle price of $46,192.

Although the purchase price is on the cheaper end of the spectrum, car insurance prices are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Buick Encore is around $8 per month more than average, while liability only coverage is $5 higher per month.

When it comes to usage, Buick Encore owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles per year compared to the Encore's 10,098 every year.

Buick Encore Car Insurance Costs by Model Year

We've walked through many of the factors that can affect a driver's insurance rates. But if you're in the market for a new car, truck, or SUV and the Encore is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2022 Buick Encore Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$177
Base MSRP$24,200
Cheapest Insurance CompanySafeco - $76/mo.
Available TrimsESSENCE, PREFERRED, SELECT

With a base price of just $24,200, the 2022 Buick Encore is an affordable SUV option for new car buyers.

When it comes to insuring a Encore, the average 2022 Buick Encore normally costs about $177 a month for full coverage and $86 monthly for a liability only policy. And if you want the most affordable insurance possible, Safeco offers liability only policies for as cheap as $76 per month.

While it's great to know the average price drivers pay for insurance, there's no way to know exactly how much you'll pay without getting a personalized quote. Luckily, Compare.com will gather quotes from lots of carriers for you, all for free. Just enter your ZIP code below to get started.

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2021 Buick Encore Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$152
Base MSRP$23,200
Cheapest Insurance CompanyOhio Mutual - $20/mo.
Available TrimsENCORE, ESSENCE, PREFERRED, SELECT

If you're in the market for a 2021 Encore or already own one, you're most likely looking at an average auto insurance premium of around $152 for full coverage or $74 for a liability only policy.

And if you're just looking for the cheapest insurance for your Encore, Ohio Mutual offers liability only policies for as low as just $20 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2020 Buick Encore Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$186
Base MSRP$23,200
Cheapest Insurance CompanyClearcover - $34/mo.
Available TrimsENCORE, ESSENCE, PREFERRED, SELECT, SPORT TOURING

2020 Encore drivers can expect to pay an average of $92 monthly for liability or $186 for full coverage.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as cheap as $34 a month.

Interested in what your car insurance rate could look like? Just enter your ZIP code below to get multiple personalized quotes for free.

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2019 Buick Encore Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$157
Base MSRP$23,200
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsENCORE, ESSENCE, PREFERRED, PREFERRED II, PREMIUM, SPORT TOURING

The average cost to insure a 2019 Buick Encore with liability only coverage is $73 per month, while full coverage runs about $157 monthly.

With premiums as little as just $17 per month, Clearcover offered the most affordable policy we found.

If you want to find the best rates for auto insurance for a 2019 Buick Encore, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

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2018 Buick Encore Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$154
Base MSRP$22,990
Cheapest Insurance CompanyShelter Mutual - $24/mo.
Available TrimsENCORE, ESSENCE, PREFERRED, PREFERRED II, PREMIUM, SPORT TOURING

You can expect full coverage for a 2018 Encore to run around $154 a month, while liability only coverage will average about $76 monthly.

Shelter Mutual has premiums sometimes as little as $24 a month for the 2018 Buick Encore.

Want to know exactly what your insurance premium will be? Just enter your ZIP code below to get several customized quotes for free.

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2017 Buick Encore Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$147
Base MSRP$22,990
Cheapest Insurance CompanyMetLife - $24/mo.
Available TrimsENCORE, ESSENCE, PREFERRED, PREFERRED II, PREMIUM, SPORT TOURING

It costs around $88 monthly for liability or $147 for a full coverage policy for the 2017 Buick Encore.

We found MetLife offered the lowest policy, with rates sometimes as low as $24 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2016 Buick Encore Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$143
Base MSRP$24,065
Cheapest Insurance CompanySafeco - $22/mo.
Available TrimsCONVENIENCE, ENCORE, PREMIUM, SPORT TOURING

On average, drivers who own a 2016 Encore can expect to pay $76 to $143 a month for liability only and full coverage auto insurance, respectively.

Safeco offered the cheapest policy we found, with rates as cheap as just $22 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2016 Buick Encore, you can get free quotes in minutes by just entering your ZIP code below.

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2015 Buick Encore Car Insurance

   
Liability Only Avg. Premium$63
Full Coverage Avg. Premium$131
Base MSRP$24,065
Cheapest Insurance CompanyElephant - $21/mo.
Available TrimsCONVENIENCE, ENCORE, PREMIUM

The average cost to insure a 2015 Buick Encore with liability only coverage is $63 monthly, while full coverage runs about $131 per month.

If you're looking for the cheapest possible 2015 Buick Encore insurance policy, Elephant offered the most affordable policy we found, with rates as little as $21 a month.

If you want to know exactly how much you can expect to pay for your Encore, get free quotes in minutes by just entering your ZIP code below.

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2014 Buick Encore Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$136
Base MSRP$24,160
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsCONVENIENCE, ENCORE, PREMIUM

On average, drivers who own a 2014 Encore can expect to pay $66 to $136 monthly for liability only and full coverage insurance, respectively.

With prices sometimes as low as $18 per month, Liberty Mutual offered the cheapest policy we found for the 2014 Buick Encore.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Buick Encore Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$144
Base MSRP$24,200
Cheapest Insurance CompanyGainsco - $22/mo.
Available TrimsCONVENIENCE, ENCORE, PREMIUM

It costs around $81 a month for liability or $144 for a full coverage policy for the 2013 Buick Encore.

With premiums sometimes as little as $22 monthly, Gainsco offered the lowest policy we found.

Interested in exactly how much you'll pay? Enter your ZIP code below to get a variety of free customized quotes.

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Buick Encore Insurance FAQs

Is a Buick Encore expensive to insure?

Liability insurance runs an average of $76 a month, while full coverage will cost you around $146. The cost of car insurance for the Buick Encore is about on par with the average vehicle.

How can I get the best price on car insurance for my Buick Encore?

There's only one way to ensure you're getting the most affordable rates -- checking prices regularly and comparing quotes from multiple companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from numerous carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Buick Encore affect my insurance prices?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's just a myth. There are multiple things auto insurance companies use when they calculate how much you'll pay, but the color of your Buick Encore is not factored into that equation.

Do I need to have insurance before I buy a Buick Encore?

Before you can legally drive your new (or new to you) Encore off the dealership lot, you'll need to have a valid insurance policy. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a an SUV is to talk with your auto insurance company beforehand.

What car insurance discounts can I get for my Buick Encore?

You will find a whole range of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your Encore has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know for sure is to contact your insurance carrier and ask about their discounts.

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