Buick Encore Car Insurance Rates for 2021

How much does Buick Encore insurance cost? We break down rates from the base 2WD model up to the GX Essence AWD trim to see how prices compare to other compact SUVs.

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  • Buick Encore insurance costs an average of $1,334 per year or around $111 per month, depending on the trim level.
  • With an insurance cost range of $298, the cheapest Encore trim level to insure is the base 2WD model at around $1,176 per year, and the most expensive trim being the GX Essence AWD at $1,474 annually.
  • Out of 41 vehicles in the small SUV segment, the Encore ranks #26 for insurance affordability.

How much does Buick Encore car insurance cost?

2021 Buick Encore insurance costs an average of $1,334 a year for full coverage. Average insurance cost per month for a Buick Encore ranges from $98 to $123, depending on the trim level.

Comprehensive coverage will cost around $312 a year, liability/medical (or PIP) coverage will cost approximately $502, and the remaining collision coverage costs around $520.

The chart below illustrates average car insurance cost per year on a 2021 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 2021 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.
Buick Encore Insurance Cost Summary
Buick Encore Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,018$252
Safe Driver Age 20$2,644$220
At-fault Accidents Age 40$1,888$157
Low Deductibles Age 40$1,700$142
Safe Driver Age 30$1,398$117
Safe Driver Age 40$1,334$111
Safe Driver Age 50$1,216$101
Safe Driver Age 60$1,194$100
High Deductibles Age 40$1,146$96
Discount Rate Age 40$1,108$92

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 nine different trim levels of Encore and all 41,000+ zip codes in the U.S., the chart would have approximately 870,912,000,000 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 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 $10,926 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 2021 model years. Rates are included for drivers age 20 to 60.

Buick Encore Insurance Cost for 2013-2021 Models
Model Year Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50 Driver Age 60
2021$2,644$1,398$1,334$1,216$1,194
2020$2,424$1,288$1,236$1,126$1,104
2020$2,696$1,416$1,352$1,234$1,212
2019$2,476$1,310$1,254$1,144$1,122
2018$2,450$1,292$1,240$1,130$1,110
2017$2,392$1,258$1,208$1,104$1,082
2016$2,120$1,130$1,076$980$962
2015$2,080$1,110$1,054$962$942
2014$2,216$1,162$1,116$1,018$1,000
2013$2,098$1,102$1,060$966$948

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Buick Encore Insurance Rates by Model Year

Additional observations about insuring an Encore include:

  • Young males pay a lot more for insurance. For 2021 Buick Encore insurance, a 20-year-old male driver pays an average of $2,644 per year, while a 20-year-old female will pay $1,970, a difference of $674 per year. But by age 50, the rate for males is $1,216 and the cost for women is $1,192, a difference of only $24.
  • Teen drivers cost a lot to insure. Average rates for full coverage Encore insurance costs $4,874 per year for a 16-year-old driver, $4,522 per year for a 17-year-old driver, and $4,210 per year for a 18-year-old driver.
  • Fewer violations means cheaper insurance cost. 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 cost by at least $350 per year. Serious infractions such as reckless driving could raise rates by an additional $1,224 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 $1,604 or more per year.
  • Don’t be a careless driver. Too many at-fault accidents can cost more, potentially as much as $1,862 per year for a 20-year-old driver and even as much as $414 per year for a 60-year-old driver.

Which Encore model is cheapest to insure?

With Buick Encore car insurance cost ranging from $1,176 to $1,474 per year for an average driver, the most affordable trim level to insure is the base 2WD model. On average, plan on budgeting a minimum of $98 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 $1,382,  $1,428, 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 average car insurance cost by trim level for the 2021 Buick Encore.

2021 Buick Encore Insurance Cost by Trim Level
Buick Encore Trim Level Annual Policy 6-month Policy Per Month
2WD$1,176$588$98
Preferred 2WD$1,222$611$102
Preferred AWD$1,268$634$106
GX Preferred$1,336$668$111
GX Select$1,336$668$111
GX Preferred AWD$1,382$691$115
GX Select AWD$1,382$691$115
GX Essence$1,428$714$119
GX Essence AWD$1,474$737$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 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.
Buick Encore Insurance Cost by Trim Level

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

The Buick Encore ranks #26 out of 41 comparison vehicles in the 2021 small SUV class. The Encore costs an average of $1,334 per year to insure, while the segment average rate is $1,357 annually, a difference of only $23 per year.

When compared directly to popular vehicles in the compact SUV and crossover segment, auto insurance for a Buick Encore costs $102 less per year than the Toyota RAV4, $128 more than the Honda CR-V, $52 more than the Chevrolet Equinox, and $0 less than the Nissan Rogue.

The table below ranks average car insurance cost for all compact SUVs for the 2021 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
1Mazda CX-3$1,160-$174
2Honda CR-V$1,206-$128
3Mazda CX-5$1,222-$112
4Mazda CX-30$1,226-$108
5Ford Ecosport$1,230-$104
6Toyota C-HR$1,234-$100
7Nissan Rogue Sport$1,242-$92
8Hyundai Kona$1,244-$90
9Chevrolet Trax$1,246-$88
10Buick Envision$1,254-$80
11Nissan Kicks$1,256-$78
12Hyundai Venue$1,258-$76
13Mitsubishi Eclipse Cross$1,260-$74
14Hyundai Tucson$1,264-$70
15Kia Sportage$1,268-$66
16Jeep Compass$1,270-$64
17Kia Soul$1,274-$60
18Chevrolet Equinox$1,282-$52
19Chevrolet Trailblazer$1,290-$44
20Honda HR-V$1,302-$32
21Volkswagen Tiguan$1,308-$26
22Subaru Forester$1,318-$16
23Ford Escape$1,328-$6
24Buick Encore$1,334--
25Subaru Crosstrek$1,334$0
26Nissan Rogue$1,334$0
27Kia Seltos$1,344$10
28GMC Terrain$1,346$12
29Volkswagen ID4$1,382$48
30Fiat 500X$1,386$52
31Jeep Renegade$1,394$60
32Toyota RAV4$1,436$102
33Kia Niro$1,450$116
34Mini Cooper Countryman$1,486$152
35Mini Cooper$1,512$178
36Mitsubishi Mirage$1,540$206
37Ford Bronco$1,612$278
38Mini Cooper Clubman$1,650$316
39Mitsubishi Outlander$1,678$344
40Jeep Wrangler$1,706$372
41Hyundai Nexo$1,788$454

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2021 model year, 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 vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Buick Encore Insurance Cost vs Other Small SUVs

Buick Encore Insurance Cost by State

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

The table below breaks down the average cost to insure a 2021 Buick Encore in all 50 U.S. states. Rates are sorted alphabetically by state, with annual and monthly policy average cost.

Buick Encore Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,122$561$94
Alaska$1,052$526$88
Arizona$1,206$603$101
Arkansas$1,282$641$107
California$1,478$739$123
Colorado$1,428$714$119
Connecticut$1,462$731$122
Delaware$1,450$725$121
Florida$1,804$902$150
Georgia$1,378$689$115
Hawaii$1,060$530$88
Idaho$892$446$74
Illinois$948$474$79
Indiana$972$486$81
Iowa$884$442$74
Kansas$1,160$580$97
Kentucky$1,510$755$126
Louisiana$1,976$988$165
Maine$846$423$71
Maryland$1,234$617$103
Massachusetts$1,122$561$94
Michigan$2,396$1,198$200
Minnesota$1,184$592$99
Mississippi$1,190$595$99
Missouri$1,174$587$98
Montana$1,226$613$102
Nebraska$1,056$528$88
Nevada$1,494$747$125
New Hampshire$970$485$81
New Jersey$1,298$649$108
New Mexico$1,156$578$96
New York$1,482$741$124
North Carolina$908$454$76
North Dakota$1,028$514$86
Ohio$900$450$75
Oklahoma$1,438$719$120
Oregon$1,180$590$98
Pennsylvania$1,180$590$98
Rhode Island$1,592$796$133
South Carolina$1,240$620$103
South Dakota$1,104$552$92
Tennessee$1,106$553$92
Texas$1,298$649$108
Utah$1,094$547$91
Vermont$928$464$77
Virginia$860$430$72
Washington$1,052$526$88
West Virginia$1,186$593$99
Wisconsin$976$488$81
Wyoming$1,188$594$99

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 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.
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 all 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.