Car Insurance Comparison Between the GMC Terrain and Buick Encore

• At an average cost of $1,698 per year, a 2024 Buick Encore has more affordable car insurance rates than a 2024 GMC Terrain by $86 per year.
• For a 2024 model year GMC Terrain, car insurance prices cost from $1,604 to $1,794 per year, while the insurance price for a 2024 Buick Encore ranges from $1,550 to $1,700.
• The GMC Terrain SLE 2WD and the Buick Encore GX Preferred are the trims with the cheapest rates for each model in our comparison.

Does a GMC Terrain or Buick Encore cost less to insure?

Insurance on a 2024 GMC Terrain costs an average of $1,698 per year, and insurance for a Buick Encore costs an average of $1,612 per year, making the Buick Encore the model with better average insurance cost.

Out of six GMC Terrain trims, the cheapest 2024 trim to insure is the SLE 2WD model at an average cost of $1,604 per year. For the six trim levels available for the Buick Encore, the cheapest 2024 model to insure is the GX Preferred trim at a cost of $1,550 per year, or around $129 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim is the Buick Encore GX Preferred at a cost of $1,550 per year, and the highest-cost model and trim is the GMC Terrain Denali AWD at a cost of $1,794 per year.

The rate table below compares and ranks the annual and monthly car insurance cost for 2024 GMC Terrain and Buick Encore models, showing average premium cost for each trim level.

The rate chart below illustrates the average cost to insure both 2024 models rated for drivers aged 20 to 50. For a 2024 GMC Terrain, average insurance cost ranges from $1,510 to $3,362 per year for the example age groups. A 2024 Buick Encore costs from $1,432 to $3,226 to insure per year.

The tables shown below show average car insurance rates for every trim level for both 2024 models, plus the average rate for each model. The winner for the 2024 car insurance battle is the Buick Encore.

2023 GMC Terrain vs. Buick Encore

When comparing 2023 GMC Terrain and Buick Encore models, the cheapest to insure is the Buick Encore. Insurance rates on a GMC Terrain cost an average of $1,640 per year, whereas the Buick Encore averages $1,468 per year.

For the six trims available for the 2023 GMC Terrain, the cheapest trim to insure is the SLE 2WD trim at an average cost of $1,560 per year, or around $130 per month.

The 2023 Buick Encore has six trim levels available, with the cheapest trim to insure being the GX Preferred trim at an average cost of $1,400 per year, or $117 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Buick Encore GX Preferred at an average of $1,400 per year, and the highest-cost model and trim is the GMC Terrain Denali AWD costing an average of $1,710 per year.

The table shown below ranks the annual and monthly car insurance cost for 2023 GMC Terrain and Buick Encore models, broken down by trim level.

The chart below shows the average cost to insure both models using different driver ages. For a 2023 GMC Terrain, average insurance cost ranges from $1,458 to $3,250 per year for the driver ages used. A 2023 Buick Encore costs from $1,308 to $2,946 to insure per year.

The next two tables display average car insurance rates for each trim level, including an overall average cost for each model. The cheapest of the two models to insure for the 2023 model year is the Buick Encore.

2022 GMC Terrain vs. Buick Encore

For the 2022 model year, the model having the cheapest car insurance rates is the Buick Encore. Insurance on the GMC Terrain averages $1,594 per year, and the Buick Encore averages $1,434 per year.

For a 2022 GMC Terrain, the lowest-cost trims to insure are the SLE 2WD, SLE AWD, and SLT 2WD. The lowest-cost Buick Encore trim levels to insure are the GX Select, Preferred, and Preferred AWD. Average car insurance rates for all 2022 GMC Terrain and Buick Encore trim levels range from $114 to $138 per month.

The table shown below ranks the cost of car insurance for 2022 GMC Terrain and Buick Encore models, showing average cost by trim level for each model.

The rate chart below visualizes the average cost to insure both models for different driver ages. The average car insurance cost ranges from $1,416 to $3,170 per year for the 2022 GMC Terrain, and $1,278 to $2,870 on a 2022 Buick Encore for the sample drivers in the chart.

Out of six GMC Terrain trim levels, the cheapest 2022 trim level to insure is the SLE 2WD trim at an average cost of $1,522 per year. For the seven trim and option levels available for a Buick Encore, the most affordable 2022 trim to insure is the GX Select trim at a cost of $1,368.

When average insurance prices for all 13 trims of both models are combined and sorted by cost, the most affordable model and trim level to put coverage on is the Buick Encore GX Select at a cost of $1,368 per year. The overall most expensive vehicle to insure is the GMC Terrain Denali AWD at a cost of $1,660 per year.

The two tables below illustrate average car insurance cost by trim level for a 2022 GMC Terrain and Buick Encore, plus the average rate for each model.

2021 GMC Terrain vs. Buick Encore

When comparing insurance cost for the 2021 GMC Terrain and Buick Encore models, the Buick Encore is cheaper by $6 per year for 2021.

The rate chart below illustrates the average car insurance cost for both models for the 20 to 50-year-old driver age groups. For the 2021 GMC Terrain, the average car insurance cost ranges from $1,348 to $3,026 per year for the age groups used in the chart. Car insurance on a 2021 Buick Encore costs from $1,348 to $3,042 on average per year.

A 2021 GMC Terrain has seven trim levels available, with the most affordable model to insure being the SL 2WD model at an average cost of $1,374 per year.

For the nine trim and option levels available for a Buick Encore, the lowest-cost 2021 model to insure is the 2WD model at a cost of $1,332 per year, or around $111 per month.

When rates for all 16 trim levels for both vehicles are combined and compared, the lowest-cost model and trim to insure is the Buick Encore 2WD at an average rate of $1,332 per year. The most expensive trim is the Buick Encore GX Essence AWD costing $1,654 per year.

The tables below show all the available trims for both 2021 models, along with the average rate for each model.

2020 GMC Terrain vs. Buick Encore

For the 2020 GMC Terrain and Buick Encore models, the Buick Encore has cheaper car insurance rates by an average of $20 per year.

The following chart demonstrates the average cost to insure both models rated for multiple driver ages. For a 2020 GMC Terrain, average insurance cost ranges from $1,316 to $2,956 per year. Auto insurance for a 2020 Buick Encore costs from $1,304 to $2,930 on average per year.

Out of seven trim levels for the 2020 GMC Terrain, the cheapest average car insurance prices are on the SL 2WD model at a cost of $1,336 per year.

Out of the 14 trim levels available for the Buick Encore, the most affordable 2020 trim level to insure is the 2WD trim at a cost of $1,300.

When comparing rates by trim level for both models, the overall cheapest vehicle to insure is the Buick Encore 2WD at an average of $1,300 per year. The highest-cost model and trim is the Buick Encore GX Essence AWD at an average cost of $1,626 per year.

The next two tables detail the expected annual car insurance cost by trim level for both 2020 models, including the average rate for each model. The winner for the 2020 car insurance comparison is the Buick Encore.

2019 GMC Terrain vs. Buick Encore

For 2019 GMC Terrain and Buick Encore models, the Buick Encore costs less to insure by $124 per year for this comparison year.

The following chart displays the average cost to insure the two models rated for multiple driver ages. For a 2019 GMC Terrain, average car insurance cost ranges from $1,358 to $3,064 per year. Auto insurance for a 2019 Buick Encore ranges from $1,250 to $2,796 on average per year.

For the 11 trim levels available for the 2019 GMC Terrain, the cheapest model to insure is the SL 2WD trim at an average cost of $1,378 per year, or about $115 per month. Out of the 11 different option levels available for a Buick Encore, the lowest-cost 2019 trim level to insure is the 2WD trim at a cost of $1,296.

When comparing rates by trim level for both models, the cheapest model and trim level to insure is the Buick Encore 2WD at an average rate of $1,296 per year, and the most expensive vehicle to insure is the GMC Terrain Denali AWD costing $1,618 per year.

The next two tables break down average car insurance cost by trim level for a 2019 GMC Terrain and Buick Encore, including an overall average cost for each model. The 2019 Buick Encore wins the head-to-head comparison over the 2019 GMC Terrain for the cheapest overall car insurance rates.

2018 GMC Terrain vs. Buick Encore

When comparing average insurance cost for 2018 models, the GMC Terrain costs $1,460 per year for a full-coverage policy and the Buick Encore costs $1,350, making the Buick Encore the winner by $110.

The chart below demonstrates the average car insurance cost for the two models with different drivers at the wheel. Average full-coverage insurance ranges from $1,306 to $2,934 per year for a 2018 GMC Terrain, and $1,210 to $2,696 on the 2018 Buick Encore for the included driver ages.

For the 15 trims available for the 2018 GMC Terrain, the most affordable model to insure is the SL 2WD trim at an average cost of $1,326 per year.

For the 17 different trims available for a Buick Encore, the most affordable 2018 trim to insure is the 2WD trim at a cost of $1,248 per year, or about $104 per month.

When comparing both models combined at a trim-level basis, the overall cheapest vehicle to put coverage on is the Buick Encore 2WD at an average rate of $1,248 per year, and the highest-cost model and trim level is the GMC Terrain Denali AWD at an average cost of $1,552 per year.

The next two tables show the expected annual car insurance cost by trim level for both 2018 models, plus the average rate for each model. The cheapest model to insure for the 2018 model year is the Buick Encore.

2017 GMC Terrain vs. Buick Encore

When comparing insurance rates for 2017 models, the GMC Terrain costs an average of $1,394 per year to insure and the Buick Encore costs $1,300, making the Buick Encore the cheaper model to insure by $94 for the 2017 comparison year.

The next chart demonstrates the average cost to insure both models for drivers aged 20 to 50. Average full-coverage insurance ranges from $1,248 to $2,802 per year for the 2017 GMC Terrain, and $1,168 to $2,600 for a 2017 Buick Encore for these driver ages.

The 2017 GMC Terrain has seven trims available, with the lowest-cost trim to insure being the SL 2WD model at an average cost of $1,296 per year, or about $108 per month. For the 10 different trim levels available for a Buick Encore, the most affordable 2017 trim level to insure is the 2WD trim at a cost of $1,208 per year, or $101 per month.

When comparing rates by trim level for both models, the cheapest vehicle to put coverage on is the Buick Encore 2WD at an average cost of $1,208 per year. The most expensive model and trim level is the GMC Terrain Denali AWD costing an average of $1,484 per year.

The next tables display average car insurance rates for each trim level, including an overall average rate. The winner for the 2017 car insurance rate comparison is the Buick Encore.

2016 GMC Terrain vs. Buick Encore

When comparing insurance rates for the 2016 GMC Terrain and Buick Encore models, the Buick Encore is cheaper by $86 per year for this model year.

The following chart visualizes the average cost to insure both 2016 models for drivers from age 20 to 50. For a 2016 GMC Terrain, average insurance cost ranges from $1,076 to $2,380 per year for the illustrated age groups. Full-coverage car insurance on the 2016 Buick Encore ranges from $998 to $2,200 on average per year.

The 2016 GMC Terrain has seven trim levels available, with the most affordable trim to insure being the SL 2WD model at an average cost of $1,074 per year. For the 10 different option levels available for the Buick Encore, the most affordable 2016 model to insure is the 2WD trim at a cost of $1,062.

When rates for all 17 trim levels for both 2016 models are compared, the most affordable model and trim level to insure is the Buick Encore 2WD at an average of $1,062 per year. The highest-cost model and trim level is the GMC Terrain Denali AWD costing $1,270 per year.

The tables below show the average insurance cost by trim level for both 2016 models, including the average rate for each model.

2015 GMC Terrain vs. Buick Encore

A 2015 Buick Encore is $90 cheaper to insure per year on average than a 2015 GMC Terrain, a difference of 8%.

The next chart illustrates the average insurance cost for both 2015 models for drivers aged 20 to 50. The average car insurance cost ranges from $1,042 to $2,334 per year for a 2015 GMC Terrain, and $962 to $2,130 on a 2015 Buick Encore for the age groups in the chart.

Out of six trims for a 2015 GMC Terrain, the cheapest rates are on the SLE 2WD trim at a cost of $1,106 per year. For the eight option levels available for a Buick Encore, the cheapest 2015 model to insure is the 2WD trim at a cost of $1,032 per year, or around $86 per month.

When rates for all 14 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Buick Encore 2WD at an average cost of $1,032 per year, and the most expensive trim is the GMC Terrain Denali AWD at a cost of $1,244 per year.

The tables below display the average insurance cost by trim level for both 2015 models, plus an average rate for each model. The 2015 Buick Encore has more affordable average car insurance rates than the 2015 GMC Terrain.

Additional GMC Terrain and Buick Encore Resources

• GMC Terrain Insurance Cost
• Buick Encore Insurance Cost
• Small SUV Insurance Cost Comparisons