Buick Encore Car Insurance Rates for 2023

• 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.

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.

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.

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

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 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.

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.