Buick Encore Car Insurance Rates for 2023

Is a Buick Encore expensive to insure?

We analyzed insurance prices for the GX Preferred trim level up to the GX Essence AWD model to discover how insurance for an Encore sizes up to the entire compact SUV segment.

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  • Buick Encore insurance costs an average of $1,406 per year or around $117 per month, depending on the trim level.
  • With an insurance cost range of $134, the cheapest Encore trim level to insure is the base GX Preferred model at around $1,340 per year, and the most expensive trim being the GX Essence AWD at $1,474 annually.
  • Out of 47 vehicles in the small SUV segment, the Encore ranks sixth for insurance affordability.

How much does Buick Encore car insurance cost?

2023 Buick Encore insurance costs an average of $1,406 a year for full coverage. Average insurance cost per month for a Buick Encore ranges from $112 to $123, depending on the trim level.

Comprehensive coverage will cost around $340 a year, liability/medical (or PIP) coverage will cost approximately $484, and the remaining collision coverage costs around $582.

The chart below illustrates the average car insurance cost per year on a 2023 Buick Encore using different driver ages and policy limits.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Buick Encore with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Buick Encore trim levels.Data last updated on March 2, 2023
Buick Encore Insurance Cost Summary
2023 Buick Encore Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,178$265
Safe Driver Age 20$2,784$232
At-fault Accidents Age 40$1,982$165
Low Deductibles Age 40$1,812$151
Safe Driver Age 30$1,476$123
Safe Driver Age 40$1,406$117
Safe Driver Age 50$1,284$107
Safe Driver Age 60$1,258$105
High Deductibles Age 40$1,196$100
Discount Rate Age 40$1,168$97

The rate chart above displays a small set of car insurance rates from an enormous number of possibilities. If we included all rates for every possible combination of risk factors (driver age, home ownership, driving record, marital status, credit level, etc.), including all six different trim levels of Encore and all 41,000+ zip codes in the U.S., the chart would have approximately 580,608,000,000 possible policy rates.

Another example of how variable rates are for an Encore, an average driver can buy liability-only insurance for a Buick Encore in the most affordable parts of Iowa or Ohio for as cheap as $221 a year.

For an identical Encore, a 16-year-old driver with an at-fault accident and a few driving violations could get a bill for $10,786 a year for full coverage in some of the most expensive areas of the U.S.

That example is not meant to confuse you with all the rates that are available, but rather to reinforce to need to shop around occasionally. With that many possible rates, plus the fact that insurance companies change rates frequently based on loss history and profitability, it just proves that an annual car insurance quote or two is probably a good idea.

The following table shows average full coverage Buick Encore car insurance rates for the 2013 to 2023 model years. Rates are included for drivers aged 20 to 60.

Buick Encore Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Buick Encore$2,784$1,406$1,258
2022 Buick Encore$2,712$1,370$1,226
2021 Buick Encore$2,886$1,454$1,298
2020 Buick Encore$2,670$1,358$1,210
2020 Buick Encore$2,970$1,486$1,330
2019 Buick Encore$2,712$1,372$1,226
2018 Buick Encore$2,666$1,346$1,202
2017 Buick Encore$2,568$1,298$1,160
2016 Buick Encore$2,226$1,132$1,014
2015 Buick Encore$2,156$1,096$982
2014 Buick Encore$2,286$1,152$1,036
2013 Buick Encore$2,198$1,110$998

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
Buick Encore Insurance Rates by Model Year

Additional observations about insuring an Encore include:

  • Young males pay a lot more for insurance. For 2023 Buick Encore insurance, a 20-year-old male driver pays an average of $2,784 per year, while a 20-year-old female will pay $2,072, a difference of $712 per year. But by age 50, the rate for males is $1,284 and the cost for women is $1,258, a difference of only $26.
  • Teen drivers cost a lot to insure. Average rates for full coverage Encore insurance costs $5,068 per year for a 16-year-old driver, $4,720 per year for a 17-year-old driver, and $4,402 per year for an 18-year-old driver.
  • Fewer violations mean cheaper insurance costs. To receive the most affordable Encore insurance rates, it’s necessary to follow the law. Just a couple of minor incidents on your driving report have the ramification of increasing insurance costs by at least $368 per year. Serious infractions such as reckless driving could raise rates by an additional $1,286 or more.
  • High-risk drivers pay a lot more for insurance. For a 40-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $1,682 or more per year.
  • Don’t be a careless driver. Too many at-fault accidents can cost more, potentially as much as $1,956 per year for a 20-year-old driver and even as much as $426 per year for a 60-year-old driver.

Which Encore model is the cheapest to insure?

With Buick Encore car insurance cost ranging from $1,340 to $1,474 per year for an average driver, the most affordable trim level to insure is the base GX Preferred model. On average, plan on budgeting a minimum of $112 per month for full coverage insurance.

At the more expensive end of the Encore insurance cost range, the three most expensive models to insure are the Encore GX Select AWD, the GX Essence, and the GX Essence AWD trim levels at around $1,418,  $1,444, and $1,474 per year, respectively.

2021 Buick Encore GX AWD emblem
Encore GX AWD emblem on rear of 2021 Buick Encore in Cinnabar Metallic

The next table shows the average car insurance cost by trim level for the 2023 Buick Encore.

2023 Buick Encore Insurance Cost by Trim Level
Buick Encore Trim Level Annual Policy Six-Month Policy Per Month
GX Preferred$1,340$670$112
GX Select$1,376$688$115
GX Preferred AWD$1,386$693$116
GX Select AWD$1,418$709$118
GX Essence$1,444$722$120
GX Essence AWD$1,474$737$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Buick Encore, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
Buick Encore Insurance Cost by Trim Level

Encore vs. all small SUVs: Which insurance is cheaper?

The Buick Encore ranks sixth out of 47 comparison vehicles in the 2023 small SUV class. The Encore costs an average of $1,406 per year to insure, while the segment average rate is $1,606 annually, a difference of only $200 per year.

When compared directly to popular vehicles in the compact SUV and crossover segment, auto insurance for a Buick Encore costs $228 less per year than the Toyota RAV4, $90 less than the Honda CR-V, $182 less than the Chevrolet Equinox, and $216 less than the Nissan Rogue.

The table below ranks average car insurance cost for all compact SUVs for the 2023 model year, with the price difference between each model and the Buick Encore noted in the ‘Difference’ table column.

Buick Encore Insurance Cost vs Other Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$72
2Subaru Crosstrek$1,346-$60
3Nissan Kicks$1,354-$52
4Nissan Rogue Sport$1,378-$28
5Mazda CX-5$1,386-$20
6Buick Encore$1,406--
7Buick Envision$1,410$4
8Kia Seltos$1,430$24
9Hyundai Venue$1,440$34
10Honda HR-V$1,464$58
11Hyundai Kona$1,480$74
12Subaru Forester$1,486$80
13Honda CR-V$1,496$90
14Mazda CX-30$1,498$92
15Chevrolet Trax$1,514$108
16Volkswagen Tiguan$1,532$126
17Ford Bronco Sport$1,536$130
18Fiat 500X$1,564$158
19GMC Terrain$1,566$160
20Kia Soul$1,568$162
21Mitsubishi Eclipse Cross$1,572$166
22Chevrolet Equinox$1,588$182
23Toyota Corolla Cross$1,592$186
24Volkswagen Taos$1,600$194
25Mazda CX-50$1,610$204
26Hyundai Tucson$1,614$208
27Ford Escape$1,616$210
28Nissan Rogue$1,622$216
29Toyota RAV4$1,634$228
30Mazda MX-30$1,636$230
31Kia Niro$1,638$232
32Mini Cooper$1,648$242
33Jeep Compass$1,652$246
34Mini Cooper Clubman$1,674$268
35Jeep Renegade$1,698$292
36Chevrolet Bolt$1,710$304
37Toyota bz4X$1,716$310
38Kia Sportage$1,760$354
39Hyundai Ioniq 5$1,764$358
40Mini Cooper Countryman$1,812$406
41Mitsubishi Mirage$1,818$412
42Mitsubishi Outlander$1,820$414
43Volkswagen ID4$1,832$426
44Kia EV6$1,870$464
45Dodge Hornet$1,872$466
46Hyundai Nexo$1,938$532
47Ford Mustang Mach-E$1,996$590

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on March 2, 2023
Buick Encore Insurance Cost vs Other Small SUVs

Buick Encore Insurance Cost by State

One of the largest factors that determine the price you pay for car insurance is where you live. Each state has its own laws and regulations that dramatically impact the cost.

The table below breaks down the average cost to insure a 2023 Buick Encore in all 50 U.S. states. Rates are sorted alphabetically by state, with annual and monthly policy average costs.

Buick Encore Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,266$633$106
Alaska$1,064$532$89
Arizona$1,290$645$108
Arkansas$1,472$736$123
California$1,702$851$142
Colorado$1,506$753$126
Connecticut$1,564$782$130
Delaware$1,598$799$133
Florida$1,752$876$146
Georgia$1,436$718$120
Hawaii$958$479$80
Idaho$1,002$501$84
Illinois$1,230$615$103
Indiana$1,048$524$87
Iowa$942$471$79
Kansas$1,386$693$116
Kentucky$1,506$753$126
Louisiana$1,670$835$139
Maine$846$423$71
Maryland$1,306$653$109
Massachusetts$1,530$765$128
Michigan$1,920$960$160
Minnesota$1,206$603$101
Mississippi$1,372$686$114
Missouri$1,586$793$132
Montana$1,290$645$108
Nebraska$1,174$587$98
Nevada$1,680$840$140
New Hampshire$942$471$79
New Jersey$1,702$851$142
New Mexico$1,156$578$96
New York$1,630$815$136
North Carolina$878$439$73
North Dakota$1,164$582$97
Ohio$980$490$82
Oklahoma$1,550$775$129
Oregon$1,314$657$110
Pennsylvania$1,346$673$112
Rhode Island$1,744$872$145
South Carolina$1,178$589$98
South Dakota$1,446$723$121
Tennessee$1,338$669$112
Texas$1,304$652$109
Utah$1,230$615$103
Vermont$1,024$512$85
Virginia$932$466$78
Washington$1,270$635$106
West Virginia$1,252$626$104
Wisconsin$1,004$502$84
Wyoming$1,248$624$104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Buick Encore, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Buick Encore trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on March 2, 2023
Buick Encore Insurance Rates by U.S. State

It’s important to note that location is only one factor that impacts the cost of insurance for an Encore. Other factors like driver age, driving record, policy limits, and even credit rating in some states can cause significant swings in the cost of car insurance.

When shopping for a new policy, or just shopping around to cut the cost of an existing policy, we recommend getting multiple free car insurance quotes to have the best chance of saving money.

Comparing prices once a year, or at every policy renewal, helps ensure that you’re not overpaying for car insurance.