The Buick Encore is a near-luxury subcompact SUV. It combines fuel efficiency and ample cabin space for a cozy, dependable, and economic ride. While the Buick Encore is compact, it also has high safety ratings, which makes it quite affordable when it comes to car insurance.
If you're ready to shop for Buick Encore insurance, an independent insurance agent can help you find the best coverage for your unique vehicle. They'll get you matched to the policy that provides affordability without sacrificing the necessary protection. But first, here's a breakdown of how much it costs to insure a Buick Encore by model year and top-rated insurance company in 2026.
Key Takeaways - Buick Encore Car Insurance
Buick Encore insurance costs an average $1,949 per year, or approximately $162 per month, for full coverage in 2026.
Buick Encores are, on average, cheaper to insure than many other popular Buick models.
The 2025 Buick Encore is more expensive to insure, on average, than other model years we compared, at an average of $1,928 annually.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Buick Encore model.
What Is Buick Encore Insurance?
Buick Encore insurance is essentially a standard car insurance policy tailored to protect your Buick Encore vehicle. As a subcompact SUV, many of its coverage needs are similar to those of any other car. Buick Encore insurance rates tend to be affordable compared to other vehicles in the same class, and more affordable than coverage for many other Buick models.
Recommended coverage options for Buick Encore drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Buick Encore:
- Buick warranty insurance: This can extend Buick's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Buick parts during the repair process.
- Gap insurance: If you have a new or financed Buick vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Most states require certain types of car insurance by law. A local independent insurance agent can help you satisfy local car insurance requirements and secure any additional coverage you need for your Buick Encore.
How Much Does Buick Encore Insurance Cost?
The cost of full coverage car insurance for a Buick Encore in 2026 averages about $1,949 per year, or approximately $162 per month. However, several factors can influence the cost of Buick insurance, including:
- The specific type of Encore you drive
- Your location
- Your driving history
- Your claims history
- Your credit score (where allowed)
- The types and amount of coverage you need
An independent insurance agent can help you find cheap Buick Encore insurance near you.
Are Buick Encores Expensive to Insure Compared to Other Buick Models?
Yes, the Buick Encore is very affordable to insure when compared to other Buick models. The table below compares the average annual cost of full coverage across a handful of popular Buick vehicles in 2026.
| Model | Average Annual Full Coverage Premium |
| Buick Regal | $1,728 |
| Buick Encore | $1,949 |
| Buick Verano | $2,148 |
| Buick Enclave | $2,340 |
| Buick Envision | $2,363 |
Buck Encore Insurance Costs by Model Year
Next, we'll break down several model years of the Buick Encore and the insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Buick Encore | $1,829 |
| 2025 Buick Encore | $1,928 |
| 2022 Buick Encore | $631 |
| 2021 Buick Encore | $693 |
| 2020 Buick Encore | $563 |
| 2019 Buick Encore | $602 |
| 2018 Buick Encore | $567 |
| 2017 Buick Encore | $527 |
| 2016 Buick Encore | $513 |
| 2015 Buick Encore | $410 |
| 2014 Buick Encore | $588 |
| 2013 Buick Encore | $512 |
Cheapest Buick Encore Car Insurance Companies for 2026
You can save a lot of money on Buick Encore insurance if you know where to look. The following top-rated carriers offer the cheapest model-year 2026 Buick Encore car insurance this year.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,659 |
| American National | $1,742 |
| Auto-Owners | $1,791 |
| Travelers | $1,835 |
| Erie | $1,866 |
| Mercury | $1,887 |
| Safeco | $1,914 |
| Kemper Auto | $1,938 |
Buick Encore Car Insurance Rates by State and Driver Profile
The cost of Buick Encore insurance can vary considerably by location, credit, and driving record. Here are some average rates for Buick Encore car insurance by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,063 | $2,988 | $3,772 |
| Alaska | $1,732 | $2,388 | $2,320 |
| Arizona | $1,931 | $2,802 | $4,086 |
| Arkansas | $2,070 | $3,276 | $3,685 |
| California | $2,349 | $4,165 | $2,328 |
| Colorado | $2,158 | $3,111 | $3,930 |
| Connecticut | $2,794 | $4,314 | $5,513 |
| Delaware | $2,351 | $3,139 | $3,988 |
| Florida | $2,786 | $3,857 | $5,014 |
| Georgia | $2,249 | $3,388 | $3,383 |
| Hawaii | $868 | $1,219 | $873 |
| Idaho | $1,543 | $2,110 | $2,576 |
| Illinois | $1,618 | $2,517 | $2,846 |
| Indiana | $1,723 | $2,624 | $2,902 |
| Iowa | $1,348 | $1,862 | $2,103 |
| Kansas | $1,771 | $2,633 | $2,977 |
| Kentucky | $2,577 | $3,766 | $4,455 |
| Louisiana | $3,308 | $4,944 | $5,403 |
| Maine | $1,282 | $1,767 | $2,512 |
| Maryland | $2,030 | $2,939 | $3,305 |
| Massachusetts | $1,620 | $2,809 | $1,645 |
| Michigan | $3,920 | $5,956 | $9,351 |
| Minnesota | $1,615 | $2,127 | $2,994 |
| Mississippi | $1,917 | $2,807 | $2,776 |
| Missouri | $1,869 | $2,630 | $3,432 |
| Montana | $1,849 | $2,587 | $3,007 |
| Nebraska | $1,529 | $2,309 | $2,512 |
| Nevada | $2,588 | $3,805 | $4,037 |
| New Hampshire | $1,774 | $2,805 | $3,616 |
| New Jersey | $1,962 | $3,077 | $4,126 |
| New Mexico | $1,985 | $3,055 | $3,088 |
| New York | $1,890 | $2,395 | $3,996 |
| North Carolina | $1,143 | $2,014 | $1,473 |
| North Dakota | $1,578 | $2,413 | $2,851 |
| Ohio | $1,402 | $2,163 | $2,263 |
| Oklahoma | $2,222 | $3,231 | $3,632 |
| Oregon | $2,049 | $2,749 | $3,271 |
| Pennsylvania | $1,776 | $2,552 | $2,968 |
| Rhode Island | $2,896 | $4,249 | $4,838 |
| South Carolina | $2,014 | $2,751 | $3,788 |
| South Dakota | $1,809 | $2,536 | $2,942 |
| Tennessee | $2,052 | $3,105 | $4,126 |
| Texas | $2,107 | $3,076 | $3,734 |
| Utah | $1,807 | $2,516 | $3,456 |
| Vermont | $1,408 | $2,100 | $2,219 |
| Virginia | $1,295 | $1,958 | $1,985 |
| Washington | $1,687 | $2,370 | $2,755 |
| West Virginia | $1,757 | $2,436 | $3,067 |
| Wisconsin | $1,679 | $2,714 | $3,041 |
| Wyoming | $1,642 | $2,261 | $2,378 |
Average Buick Encore Insurance Rates by Age and Driver Profile
The price of Buick Encore insurance, and car insurance in general, can also vary considerably based on a driver's age. Here are some average rates for Buick Encore insurance by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,176 | $9,068 | $10,616 |
| 20 | $4,700 | $6,933 | $8,102 |
| 25 | $2,804 | $4,067 | $4,797 |
| 30 | $2,145 | $3,154 | $3,715 |
| 35 | $1,986 | $2,948 | $3,528 |
| 40 | $1,948 | $2,854 | $3,344 |
| 45 | $1,848 | $2,747 | $3,263 |
| 55 | $1,779 | $2,566 | $2,939 |
| 65 | $1,850 | $2,639 | $3,120 |
| 75 | $2,250 | $3,377 | $3,952 |
Best Buick Encore Insurance Discounts: How to Lower Your Buick Encore Insurance Premiums
You can often find several discounts offered by most car insurance companies for Buick Encore coverage. There are also several other easy steps you can try to possibly lower the cost of Buick Encore insurance, such as the following.
- Ask about Buick Encore insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Buick may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Buick Encore insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Buick Encore insurance from a trusted carrier near you.
A local independent insurance agent can help you find the most affordable Buick Encore insurance premiums in your area and even help you potentially reduce your costs even further.
An Independent Insurance Agent Can Help You Get the Best Buick Encore Insurance Quotes
Working together with a local independent insurance agent is a great way to save the most money possible on car insurance for your Buick Encore. These agents shop and compare quotes from many different local car insurance carriers for you, then present you with only the results that offer the best blend of coverage and cost. Better yet, down the road, they're available to help you file claims and update your coverage, too.
FAQs About Buick Encore Insurance
How much does Buick Encore insurance cost?
The average cost of Buick Encore insurance is $1,949 per year, or approximately $162 per month, for full coverage. Your policy's costs may vary based on the specific type of Encore you drive and other factors.
What factors affect Buick Encore insurance rates?
Many factors can influence the cost of Buick Encore insurance, such as your age, specific vehicle, location, driving history, claims history, and more.
Are Buicks expensive to insure?
Not especially. Buicks can be more affordable to insure than other brands that offer luxury vehicles, and rates for the Encore tend to be cheaper than the national average cost for other subcompact SUVs.
What are the best carriers for Buick Encore insurance?
We found that Nationwide, American National, and Auto-owners are the best and cheapest car insurance companies for model-year 2026 Buick Encore insurance this year.
Is Encore insurance cheaper than coverage for other Buick models?
Yes, Buick Encore insurance is more affordable than coverage for other popular Buick models, such as the Verano, Enclave, and Envision. However, its average rates are more expensive than for the Buick Regal.
Other Buick Models
Sources
https://www.insuranceopedia.com/auto-insurance/buick-encore-car-insurance
https://www.insuranceopedia.com/auto-insurance/buick-car-insurance