The average annual insurance cost of a Buick Encore is $1,949, while minimum liability coverage costs $1,000. The fact is that Buick Encore insurance costs are slightly lower than those of most competitors.
Additionally, the insurance price varies based on age, driving experience, driving history, and more. So, it is always best to maintain a good track record to get cheaper Buick Encore auto insurance. Always compare insurance providers to find the policy that suits you best.
The national average for auto insurance is $946, and compared to this, the Buick Encore car insurance cost is slightly higher. However, the rate is comparatively lower than most of its competitors. So, the Buick Encore is not particularly expensive to insure.
Several factors impact the cost of BMW 5 Series auto insurance cost. The given is some of the factors that can significantly impact the premium rates you'll pay for coverage.
Erie provides the cheapest Buick Encore car insurance, with a rate of $2,067 for full coverage and $612 for minimum coverage. Compared to this, Amica has the highest premium cost of $2,979. Still, always check what it covers to ensure you get the Buick Encore car insurance that's best suited for you.
| Car Insurance Company | Minimum Coverage (Annual Premium) | Full Coverage (Annual Premium) |
|---|---|---|
| Amica | $804 | $2,979 |
| Erie | $612 | $2,067 |
| State Farm | $824 | $2,589 |
| USAA | $570 | $2,201 |
Newer Buick Encore models cost more to insure, with the 2023 model at $1,807 per year. Older models like 2020 and 2019 are cheaper, costing $1,464 and $1,543, respectively. The 2022 model is $1,565, showing a drop from 2023. Insurance prices change due to factors like car value and repair costs.
| Model Year | Average Insurance Cost |
|---|---|
| 2023 | $1,949 |
| 2022 | $1,565 |
| 2021 | $1,469 |
| 2020 | $1,464 |
| 2019 | $1,543 |
Buick Encore car insurance costs also depend on crash test ratings. As ratings improve, insurance costs tend to decrease. Let's check the crash test ratings of Buick Encore model years.
| Model Year | IIHS Overall Evaluation | Notes |
|---|---|---|
| 2013 | Top Safety Pick | Earned IIHS Top Safety Pick recognition. |
| 2015 | Good | Front-end structure modified for better small overlap protection. |
| 2020 | Good | Maintained strong safety ratings across crash tests. |
| 2021 | Good | Continued high ratings in multiple crash categories. |
| 2022 | Good | Received ‘Good' ratings in key safety evaluations. |
| 2025 | Good | Rated ‘Good' for structure, safety cage, and head/neck protection. |
The Buick Encore is equipped with advanced safety features designed to enhance driver and passenger protection. Key safety features include:
Forward Collision Alert: Monitors the road ahead and warns the driver of potential frontal collisions.
Automatic Emergency Braking (AEB): Automatically applies the brakes to help reduce the severity of a frontal collision or avoid it altogether.
Lane Keep Assist with Lane Departure Warning: Alerts the driver if the vehicle unintentionally drifts out of its lane and provides gentle steering corrections to help keep the vehicle centered.
Blind Spot Monitoring: Detects vehicles in the driver's blind spots and provides visual or audible alerts to prevent lane-change collisions.
Rear Cross-Traffic Alert: Warns the driver of approaching traffic from the sides when backing out of parking spaces.
HD Surround Vision: Provides a bird's-eye view of the vehicle's surroundings to assist with parking and low-speed maneuvers.
Safety Alert Seat: Delivers vibrating pulses to the driver's seat to indicate the direction of potential hazards.
Rear Vision Camera: Displays a live image of the area behind the vehicle to assist with reversing.
10 Airbags: Provides comprehensive protection in the event of a collision.
Stability Control System: Enhances vehicle stability by detecting and reducing loss of traction.
Safety rating is another important factor that determines the Buick Encore car insurance cost. Thankfully, it is not that bad. Still, there are some weak spots. It scored well in crashworthiness, except for the updated moderate overlap front test, which was rated poor. Side-impact protection is decent, with an acceptable rating in the updated test.
However, its crash prevention system is basic, and the headlights only received a marginal rating. Seat belt reminders were rated poor, while child seat anchors got an acceptable score. While the Encore is a generally safe SUV, some areas could be improved.
| Safety Category | Rating |
|---|---|
| Crashworthiness | |
| - Small overlap front: driver-side | Good (G) |
| - Small overlap front: passenger-side | Acceptable (A) |
| - Moderate overlap front: original test | Good (G) |
| - Moderate overlap front: updated test | Poor (P) |
| - Side: original test | Good (G) |
| - Side: updated test | Acceptable (A) |
| - Roof strength | Good (G) |
| - Head restraints & seats | Good (G) |
| Crash Avoidance & Mitigation | |
| - Headlights | Marginal (M) |
| - Front crash prevention: vehicle-to-vehicle | Basic |
| - Front crash prevention: pedestrian (day) | Not available |
| - Front crash prevention: pedestrian (night) | Not available |
| Seat Belts & Child Restraints | |
| - Seat belt reminders | Poor (P) |
| - LATCH ease of use | Acceptable (A) |
Maintain a clean driving record: Reckless or irresponsible driving can stay on your record and lead to higher insurance costs. If you have at-fault accidents or DUI violations, insurers may charge you more.
Maintain a good credit score: A strong credit score can help you save significantly on your Bruick Encore insurance. Drivers with higher credit scores tend to get lower rates.
Follow traffic laws: Traffic violations, such as speeding tickets or running red lights, can cause your insurance premiums to rise.
Ask about discounts: Check for available Bruick Encore insurance discounts, including safe driver discounts, multi-policy savings, safety feature discounts, low mileage discounts, anti-theft device discounts, and new car discounts to cut down your premium costs.
Bundle your policies: Bundling your auto and home insurance with the same provider can help you unlock additional savings.
Getting insurance for your Bruick Encore is simple. Just download the Way App or visit the Way.com website to receive free quotes in minutes! Our platform compares rates from over 150 insurance providers, helping you find the best policy for your Bruick Encore—all in under 60 seconds!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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