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 $1,442 per year or around $120 per month, depending on the trim level.
  • With an insurance cost range of $138, the cheapest Encore trim level to insure is the base GX Preferred model at around $1,374 per year, and the most expensive trim being the GX Essence AWD at $1,512 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 $1,442 a year for full coverage. Average insurance cost per month for a Buick Encore ranges from $115 to $126, depending on the trim level.

Comprehensive coverage will cost around $348 a year, liability/medical (or PIP) coverage will cost approximately $496, and the remaining collision coverage costs around $598.

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 August 11, 2023
Buick Encore Insurance Cost Summary
2023 Buick Encore Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,264$272
Safe Driver Age 20$2,858$238
At-fault Accidents Age 40$2,034$170
Low Deductibles Age 40$1,858$155
Safe Driver Age 30$1,518$127
Safe Driver Age 40$1,442$120
Safe Driver Age 50$1,316$110
Safe Driver Age 60$1,292$108
High Deductibles Age 40$1,228$102
Discount Rate Age 40$1,202$100

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 $10,934 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$2,858$1,442$1,292
2022 Buick Encore$2,782$1,406$1,256
2021 Buick Encore$2,954$1,488$1,330
2020 Buick Encore$2,742$1,396$1,244
2020 Buick Encore$3,050$1,526$1,366
2019 Buick Encore$2,784$1,410$1,258
2018 Buick Encore$2,734$1,382$1,234
2017 Buick Encore$2,638$1,336$1,190
2016 Buick Encore$2,286$1,162$1,040
2015 Buick Encore$2,210$1,126$1,008
2014 Buick Encore$2,344$1,182$1,062
2013 Buick Encore$2,258$1,138$1,024

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 August 12, 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 $2,858 per year, while a 20-year-old female will pay $2,130, a difference of $728 per year. But by age 50, the rate for males is $1,316 and the cost for women is $1,292, a difference of only $24.
  • Teen drivers cost a lot to insure. Average rates for full coverage Encore insurance costs $5,200 per year for a 16-year-old driver, $4,846 per year for a 17-year-old driver, and $4,518 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 $378 per year. Serious infractions such as reckless driving could raise rates by an additional $1,320 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 $1,728 or more per year.
  • Don’t be a careless driver. Too many at-fault accidents can cost more, potentially as much as $2,010 per year for a 20-year-old driver and even as much as $440 per year for a 60-year-old driver.

Which Encore model is the cheapest to insure?

With Buick Encore car insurance cost ranging from $1,374 to $1,512 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 $115 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 $1,454,  $1,480, and $1,512 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$1,374$687$115
GX Select$1,412$706$118
GX Preferred AWD$1,422$711$119
GX Select AWD$1,454$727$121
GX Essence$1,480$740$123
GX Essence AWD$1,512$756$126

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 August 12, 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 $1,442 per year to insure, while the segment average rate is $1,649 annually, a difference of only $207 per year.

When compared directly to popular vehicles in the compact SUV and crossover segment, auto insurance for a Buick Encore costs $234 less per year than the Toyota RAV4, $92 less than the Honda CR-V, $188 less than the Chevrolet Equinox, and $224 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$1,370-$72
2Subaru Crosstrek$1,380-$62
3Nissan Kicks$1,386-$56
4Nissan Rogue Sport$1,412-$30
5Mazda CX-5$1,422-$20
6Buick Encore$1,442--
7Buick Envision$1,446$4
8Kia Seltos$1,466$24
9Hyundai Venue$1,478$36
10Honda HR-V$1,508$66
11Hyundai Kona$1,518$76
12Subaru Forester$1,526$84
13Honda CR-V$1,534$92
14Mazda CX-30$1,538$96
15Chevrolet Trax$1,558$116
16Volkswagen Tiguan$1,572$130
17Ford Bronco Sport$1,576$134
18Fiat 500X$1,606$164
19GMC Terrain$1,608$166
20Kia Soul$1,614$172
21Mitsubishi Eclipse Cross$1,616$174
22Chevrolet Equinox$1,630$188
23Toyota Corolla Cross$1,634$192
24Volkswagen Taos$1,640$198
25Mazda CX-50$1,652$210
26Hyundai Tucson$1,656$214
27Ford Escape$1,660$218
28Nissan Rogue$1,666$224
29Toyota RAV4$1,676$234
30Mazda MX-30$1,680$238
31Kia Niro$1,682$240
32Mini Cooper$1,690$248
33Jeep Compass$1,700$258
34Mini Cooper Clubman$1,720$278
35Jeep Renegade$1,746$304
36Chevrolet Bolt$1,756$314
37Toyota bz4X$1,758$316
38Kia Sportage$1,810$368
39Hyundai Ioniq 5$1,814$372
40Mini Cooper Countryman$1,860$418
41Mitsubishi Mirage$1,868$426
42Mitsubishi Outlander$1,872$430
43Volkswagen ID4$1,880$438
44Kia EV6$1,920$478
45Dodge Hornet$1,922$480
46Hyundai Nexo$1,990$548
47Ford Mustang Mach-E$2,048$606

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 August 12, 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$1,296$648$108
Alaska$1,094$547$91
Arizona$1,318$659$110
Arkansas$1,504$752$125
California$1,730$865$144
Colorado$1,538$769$128
Connecticut$1,598$799$133
Delaware$1,630$815$136
Florida$1,776$888$148
Georgia$1,468$734$122
Hawaii$990$495$83
Idaho$1,034$517$86
Illinois$1,264$632$105
Indiana$1,082$541$90
Iowa$970$485$81
Kansas$1,414$707$118
Kentucky$1,538$769$128
Louisiana$1,694$847$141
Maine$874$437$73
Maryland$1,338$669$112
Massachusetts$1,562$781$130
Michigan$1,942$971$162
Minnesota$1,236$618$103
Mississippi$1,402$701$117
Missouri$1,618$809$135
Montana$1,320$660$110
Nebraska$1,204$602$100
Nevada$1,712$856$143
New Hampshire$970$485$81
New Jersey$1,736$868$145
New Mexico$1,186$593$99
New York$1,660$830$138
North Carolina$908$454$76
North Dakota$1,194$597$100
Ohio$1,012$506$84
Oklahoma$1,578$789$132
Oregon$1,342$671$112
Pennsylvania$1,382$691$115
Rhode Island$1,772$886$148
South Carolina$1,206$603$101
South Dakota$1,474$737$123
Tennessee$1,368$684$114
Texas$1,334$667$111
Utah$1,264$632$105
Vermont$1,054$527$88
Virginia$966$483$81
Washington$1,298$649$108
West Virginia$1,284$642$107
Wisconsin$1,036$518$86
Wyoming$1,280$640$107

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 August 11, 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.