Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Buick Encore? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Buick Encore insurance facts

  • Average full coverage auto insurance premium: $115/month

  • Most affordable companies: Erie ($81/month) & Allied ($89/month)

  • Encore insurance cost vs. average rates: $57 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Buick Encore by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Buick Encore insurer costs by state:

Risk factors affecting Buick Encore car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Buick Encore car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Buick models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BUICK Automobile Brand

Buick is a division of the American auto manufacturer General Motors (GM) in the United States and sells to international markets, including Canada, China, and Mexico. The target market of BUICK is a “successful executive with a family.” All Buick automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Buick Encore, Envision, and LaCrosse are some of their most popular vehicles.

Higher than average Encore repair costs equal higher car insurance rates

Many older consumers are attracted to the Buick luxury, comfort, safety, and driver-assist technologies, like Buick’s Driver Confidence System. Automotive parts are relatively common as more popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Buick is a bit above average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Buicks are going to have higher than average car insurance rates to similar vehicles in their class.

Slow depreciation for Buick Encore affecting auto policies

Another factor to consider for Buick’s, is they depreciate rapidly (except for Buick Envision and Encore models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Buick models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Buicks are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies or Buick’s Driver Confidence Package, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Buick models. The Buick Encore and Envision are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Buick automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Buick automobile owners when buying a car insurance policy.

2021 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1029
Allstate$1580
American Family$1146
Amica$2019
Auto-Owners$1171
Country Financial$1212
Direct Auto$1426
Erie$983
Farmers$1280
GEICO$1137
Liberty Mutual$1203
Mercury$1529
MetLife$1920
Nationwide$1215
Plymouth Rock$1460
Progressive$1603
Safe Auto$1645
State Farm$1223
Tennessee Farmers$1502
Texas Farm Bureau$1128
Travelers$1365
USAA$1190

Compare all 2021 Buick Encore rates

Average Cost to Insure Per Year

$1384

List Price

$23200

Trims Available

Base - Preferred - Sport Touring - Preferred II - Essence - Premium - Engine: 138-horsepower turbocharged 1.4-liter four-cylinder Drivetrain: standard front-wheel drive with GM Electronic Precision Shift technology, front-wheel drive with a six-speed automatic, and Driver Assist Technology - Buick Driver Confidence Package with Front Pedestrian Braking, Lane Change Alert with Side Blind Zone Alert, Forward Collision Alert, Lane Keep Assist with Lane Departure Warning, Rear Cross Traffic Alert – and Safety Features - Front Head Air Bag, 4-Wheel ABS, Electronic Stability Control

2020 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Allied$980
Allstate$1499
American Family$1134
Auto-Owners$926
Erie$1045
Farmers$1241
GEICO$1035
Mercury$1384
MetLife$1819
Nationwide$1153
Progressive$1530
Safe Auto$1600
State Farm$1205
Tennessee Farmers$1326
Travelers$1289
USAA$1094
Vermont Mutual$1680

Compare all 2020 Buick Encore rates

Average Cost to Insure Per Year

$1316

List Price

$23200

Trims Available

Base - Preferred - Sport Touring - Preferred II - Essence - Premium - Engine: 138-horsepower turbocharged 1.4-liter four-cylinder Drivetrain: standard front-wheel drive with GM Electronic Precision Shift technology, front-wheel drive with a six-speed automatic, and Driver Assist Technology - Buick Driver Confidence Package with Front Pedestrian Braking, Lane Change Alert with Side Blind Zone Alert, Forward Collision Alert, Lane Keep Assist with Lane Departure Warning, Rear Cross Traffic Alert – and Safety Features - Front Head Air Bag, 4-Wheel ABS, Electronic Stability Control

2019 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Allied$896
Allstate$1490
American Family$1054
Auto-Owners$921
Direct Auto$1328
Erie$826
Farmers$1216
GEICO$906
Liberty Mutual$986
MetLife$1815
Nationwide$1128
Progressive$1526
Safe Auto$1589
State Farm$1190
Tennessee Farmers$1249
Travelers$1234
USAA$1023
Vermont Mutual$1673

Compare all 2019 Buick Encore rates

Average Cost to Insure Per Year

$1248

List Price

$23200

Trims Available

Base - Preferred - Sport Touring - Preferred II - Essence - Premium - Engine: 138-horsepower turbocharged 1.4-liter four-cylinder Drivetrain: standard front-wheel drive with GM Electronic Precision Shift technology, front-wheel drive with a six-speed automatic, and Driver Assist Technology - Buick Driver Confidence Package with Front Pedestrian Braking, Lane Change Alert with Side Blind Zone Alert, Forward Collision Alert, Lane Keep Assist with Lane Departure Warning, Rear Cross Traffic Alert – and Safety Features - Front Head Air Bag, 4-Wheel ABS, Electronic Stability Control

2018 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1191
Acuity$ 1191
Allied$ 997
Allied$ 997
Country$ 1211
Country$ 1211
Erie$ 771
Erie$ 771
GEICO$ 743
GEICO$ 743
Nationwide$ 950
Nationwide$ 950
Plymouth Rock Insurance$ 1175
Plymouth Rock Insurance$ 1175
Progressive$ 810
Progressive$ 810
State Farm$ 968
State Farm$ 968
Tennessee Farmers$ 957
Tennessee Farmers$ 957
USAA$ 913
USAA$ 913
Vermont Mutual$ 1096
Vermont Mutual$ 1096

Compare all 2018 Buick Encore rates

Average Cost to Insure Per Year

$ 1069

List Price

$ 22990

Trims Available

Base - Preferred - Sport Touring - Preferred II - Essence - Premium

2017 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1175
Acuity$ 1175
Allied$ 1009
Allied$ 1009
American Family$ 1135
American Family$ 1135
Country$ 1167
Country$ 1167
Erie$ 683
Erie$ 683
GEICO$ 573
GEICO$ 573
Nationwide$ 898
Nationwide$ 898
Plymouth Rock Insurance$ 1141
Plymouth Rock Insurance$ 1141
Progressive$ 682
Progressive$ 682
State Farm$ 791
State Farm$ 791
USAA$ 797
USAA$ 797
Vermont Mutual$ 1050
Vermont Mutual$ 1050

Compare all 2017 Buick Encore rates

Average Cost to Insure Per Year

$ 953

List Price

$ 22990

Trims Available

Base - Preferred - Sport Touring - Preferred II - Essence - Premium

2016 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1118
Acuity$ 1118
Allied$ 1017
Allied$ 1017
Arbella$ 1156
Arbella$ 1156
Country$ 1144
Country$ 1144
Erie$ 792
Erie$ 792
GEICO$ 966
GEICO$ 966
Nationwide$ 1092
Nationwide$ 1092
Plymouth Rock Insurance$ 1130
Plymouth Rock Insurance$ 1130
Progressive$ 934
Progressive$ 934
Tennessee Farmers$ 925
Tennessee Farmers$ 925
USAA$ 1018
USAA$ 1018
Vermont Mutual$ 971
Vermont Mutual$ 971

Compare all 2016 Buick Encore rates

Average Cost to Insure Per Year

$ 1201

List Price

$ 24065

Trims Available

Base - Convenience - Sport Touring - Leather - Premium

2015 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1049
Acuity$ 1049
Allied$ 1027
Allied$ 1027
Country$ 1084
Country$ 1084
Erie$ 662
Erie$ 662
GEICO$ 766
GEICO$ 766
Nationwide$ 1018
Nationwide$ 1018
Plymouth Rock Insurance$ 1093
Plymouth Rock Insurance$ 1093
Progressive$ 790
Progressive$ 790
State Farm$ 941
State Farm$ 941
Tennessee Farmers$ 916
Tennessee Farmers$ 916
USAA$ 886
USAA$ 886
Vermont Mutual$ 892
Vermont Mutual$ 892

Compare all 2015 Buick Encore rates

Average Cost to Insure Per Year

$ 1020

List Price

$ 24065

Trims Available

Base - Convenience - Leather - Premium

2014 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1015
Acuity$ 1015
Allied$ 1023
Allied$ 1023
American Family$ 1089
American Family$ 1089
Country$ 1086
Country$ 1086
Erie$ 716
Erie$ 716
GEICO$ 841
GEICO$ 841
Nationwide$ 1075
Nationwide$ 1075
Progressive$ 852
Progressive$ 852
State Farm$ 1100
State Farm$ 1100
Tennessee Farmers$ 926
Tennessee Farmers$ 926
USAA$ 889
USAA$ 889
Vermont Mutual$ 879
Vermont Mutual$ 879

Compare all 2014 Buick Encore rates

Average Cost to Insure Per Year

$ 1076

List Price

$ 24160

Trims Available

Base - Convenience - Leather - Premium

2013 Buick Encore

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 964
Acuity$ 964
Allied$ 1001
Allied$ 1001
Arbella$ 1029
Arbella$ 1029
Country$ 1033
Country$ 1033
Erie$ 630
Erie$ 630
GEICO$ 596
GEICO$ 596
Nationwide$ 968
Nationwide$ 968
Progressive$ 706
Progressive$ 706
State Farm$ 921
State Farm$ 921
Tennessee Farmers$ 883
Tennessee Farmers$ 883
USAA$ 760
USAA$ 760
Vermont Mutual$ 826
Vermont Mutual$ 826

Compare all 2013 Buick Encore rates

Average Cost to Insure Per Year

$ 919

List Price

$ 24200

Trims Available

Base - Convenience - Leather - Premium