Buick Encore Car Insurance Rates for 2022

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 $1,260 per year or around $105 per month, depending on the trim level.
  • With an insurance cost range of $140, the cheapest Encore trim level to insure is the base GX Select model at around $1,206 per year, and the most expensive trim being the GX Essence AWD at $1,346 annually.
  • Out of 46 vehicles in the small SUV segment, the Encore ranks #6 for insurance affordability.

How much does Buick Encore car insurance cost?

2022 Buick Encore insurance costs an average of $1,260 a year for full coverage. Average insurance cost per month for a Buick Encore ranges from $101 to $112, depending on the trim level.

Comprehensive coverage will cost around $308 a year, liability/medical (or PIP) coverage will cost approximately $446, and the remaining collision coverage costs around $506.

The chart below illustrates average car insurance cost per year on a 2022 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 2022 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 September 27, 2022
Buick Encore Insurance Cost Summary
Buick Encore Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,842$237
Safe Driver Age 20$2,492$208
At-fault Accidents Age 40$1,776$148
Low Deductibles Age 40$1,618$135
Safe Driver Age 30$1,324$110
Safe Driver Age 40$1,260$105
Safe Driver Age 50$1,148$96
Safe Driver Age 60$1,126$94
High Deductibles Age 40$1,076$90
Discount Rate Age 40$1,048$87

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 seven different trim levels of Encore and all 41,000+ zip codes in the U.S., the chart would have approximately 677,376,000,000 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 $10,306 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 2022 model years. Rates are included for drivers age 20 to 60.

Buick Encore Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,492$1,324$1,260$1,148$1,126
2021$2,636$1,390$1,326$1,212$1,188
2020$2,428$1,288$1,234$1,126$1,102
2020$2,700$1,416$1,352$1,234$1,212
2019$2,490$1,316$1,260$1,150$1,126
2018$2,448$1,292$1,238$1,132$1,108
2017$2,386$1,256$1,206$1,102$1,080
2016$2,070$1,106$1,054$962$942
2015$2,046$1,092$1,038$950$930
2014$2,140$1,126$1,080$990$968
2013$2,048$1,072$1,034$944$928

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.Data last updated on September 27, 2022
Buick Encore Insurance Rates by Model Year

Additional observations about insuring an Encore include:

  • Young males pay a lot more for insurance. For 2022 Buick Encore insurance, a 20-year-old male driver pays an average of $2,492 per year, while a 20-year-old female will pay $1,860, a difference of $632 per year. But by age 50, the rate for males is $1,148 and the cost for women is $1,124, a difference of only $24.
  • Teen drivers cost a lot to insure. Average rates for full coverage Encore insurance costs $4,546 per year for a 16-year-old driver, $4,228 per year for a 17-year-old driver, and $3,944 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 $328 per year. Serious infractions such as reckless driving could raise rates by an additional $1,150 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 $1,506 or more per year.
  • Don’t be a careless driver. Too many at-fault accidents can cost more, potentially as much as $1,748 per year for a 20-year-old driver and even as much as $380 per year for a 60-year-old driver.

Which Encore model is cheapest to insure?

With Buick Encore car insurance cost ranging from $1,206 to $1,346 per year for an average driver, the most affordable trim level to insure is the base GX Select model. On average, plan on budgeting a minimum of $101 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 $1,260,  $1,298, and $1,346 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 2022 Buick Encore.

2022 Buick Encore Insurance Cost by Trim Level
Buick Encore Trim Level Annual Policy 6-month Policy Per Month
GX Select$1,206$603$101
Preferred$1,210$605$101
Preferred AWD$1,252$626$104
GX Preferred AWD$1,258$629$105
GX Select AWD$1,260$630$105
GX Essence$1,298$649$108
GX Essence AWD$1,346$673$112

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 27, 2022
Buick Encore Insurance Cost by Trim Level

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

The Buick Encore ranks #6 out of 46 comparison vehicles in the 2022 small SUV class. The Encore costs an average of $1,260 per year to insure, while the segment average rate is $1,426 annually, a difference of only $166 per year.

When compared directly to popular vehicles in the compact SUV and crossover segment, auto insurance for a Buick Encore costs $180 less per year than the Toyota RAV4, $76 less than the Honda CR-V, $164 less than the Chevrolet Equinox, and $232 less than the Nissan Rogue.

The table below ranks average car insurance cost for all compact SUVs for the 2022 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-5$1,158-$102
2Nissan Kicks$1,190-$70
3Chevrolet Trailblazer$1,196-$64
4Subaru Crosstrek$1,224-$36
5Toyota C-HR$1,254-$6
6Buick Encore$1,260--
7Nissan Rogue Sport$1,272$12
8Hyundai Venue$1,294$34
9Buick Envision$1,298$38
10Kia Seltos$1,300$40
11Toyota Corolla Cross$1,310$50
12Hyundai Kona$1,318$58
13Subaru Forester$1,320$60
14Volkswagen Tiguan$1,324$64
15Honda CR-V$1,336$76
16Mazda CX-30$1,350$90
17Honda HR-V$1,370$110
18Ford Ecosport$1,380$120
19Chevrolet Trax$1,398$138
20GMC Terrain$1,404$144
21Mitsubishi Eclipse Cross$1,408$148
22Hyundai Tucson$1,416$156
23Chevrolet Bolt$1,420$160
24Chevrolet Equinox$1,424$164
25Volkswagen Taos$1,428$168
26Fiat 500X$1,434$174
27Toyota RAV4$1,440$180
28Kia Soul$1,442$182
29Mazda MX-30$1,472$212
30Jeep Compass$1,478$218
31Kia Niro$1,480$220
32Nissan Rogue$1,492$232
33Ford Escape$1,498$238
34Hyundai Ioniq 5$1,514$254
35Mini Cooper Clubman$1,516$256
36Jeep Renegade$1,518$258
37Kia Sportage$1,524$264
38Ford Bronco$1,532$272
39Volkswagen ID4$1,554$294
40Mini Cooper$1,564$304
41Mini Cooper Countryman$1,582$322
42Mitsubishi Outlander$1,640$380
43Mitsubishi Mirage$1,658$398
44Ford Mustang Mach-E$1,726$466
45Hyundai Nexo$1,744$484
46Jeep Wrangler$1,746$486

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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.Data last updated on September 27, 2022
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 2022 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$1,026$513$86
Alaska$1,104$552$92
Arizona$1,122$561$94
Arkansas$1,348$674$112
California$1,442$721$120
Colorado$1,342$671$112
Connecticut$1,218$609$102
Delaware$1,280$640$107
Florida$1,842$921$154
Georgia$1,218$609$102
Hawaii$856$428$71
Idaho$994$497$83
Illinois$1,016$508$85
Indiana$940$470$78
Iowa$912$456$76
Kansas$1,268$634$106
Kentucky$1,462$731$122
Louisiana$1,826$913$152
Maine$870$435$73
Maryland$1,138$569$95
Massachusetts$1,032$516$86
Michigan$2,004$1,002$167
Minnesota$1,104$552$92
Mississippi$1,188$594$99
Missouri$1,336$668$111
Montana$1,228$614$102
Nebraska$1,204$602$100
Nevada$1,382$691$115
New Hampshire$760$380$63
New Jersey$1,188$594$99
New Mexico$1,010$505$84
New York$1,340$670$112
North Carolina$802$401$67
North Dakota$1,048$524$87
Ohio$734$367$61
Oklahoma$1,226$613$102
Oregon$1,056$528$88
Pennsylvania$1,060$530$88
Rhode Island$1,484$742$124
South Carolina$1,162$581$97
South Dakota$1,140$570$95
Tennessee$994$497$83
Texas$1,186$593$99
Utah$1,040$520$87
Vermont$836$418$70
Virginia$812$406$68
Washington$956$478$80
West Virginia$1,130$565$94
Wisconsin$856$428$71
Wyoming$1,154$577$96

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 27, 2022
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.