Buick Encore Car Insurance Rates

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Buick Encore Car Insurance Rates premiums are on average $238 per month — or $2,856 per year. Your actual cost may vary from this amount depending on your driving record, the number of miles you drive each year, and other factors.

In changing your Buick Encore Car Insurance Rates this article will help you comfortably. Our car insurance comparison study is predicated on the premise of a 40-year-old safe driver who maintains full coverage and has good credit and drives an average of 13,000 miles per year. Additionally, they are based on single-car insurance for a brand-new vehicle and exclude multi-car discounts.

Auto insurance premiums vary considerably according to age, state, insurance provider, and mileage. These rates are influenced by recent accidents, driving violations, and credit history.

What Kind of Insurance Do You Need for Your Buick Encore?

Buick Encore Car Insurance Rates - Buick Logo

There are many choices for ensuring your Buick Encore. Certain states will need you to carry insurance in order to drive, as well as other optional coverages. Consult your local independent insurance agent to choose the best coverage for you.

The majority of states need the following coverage:

Bodily Injury Liability

Medical costs resulting from a vehicle collision that injures the other driver, passengers, or pedestrians are covered under bodily injury liability. Additionally, it will pay lost earnings if an individual is unable to work as a result of an injury.

Property Damage Liability

Your property damage liability insurance will help cover the expense of rebuilding or repairing a building, vehicle, or structure that has been destroyed by you or someone else driving your car. Liability for property damage does not extend to vehicle damage.

Numerous states mandate this coverage:

Medical Payments/Personal Injury Protection

The majority of automobile accidents result in injury to either you or your passengers. Medical payments coverage, often known as personal injury protection (PIP), covers required medical care for you and any passengers in your vehicle. PIP insurance is available and usually mandated in “no-fault” states. Everywhere else, medical payments coverage is provided.

Uninsured and Underinsured Motorist Coverage

When a driver commits a hit-and-run or does not have adequate insurance to cover your costs, uninsured and underinsured motorist coverage compensates for vehicle damage.

Optional Coverage


If you are at fault for an accident, collision coverage will compensate you for damage to other people’s property. Collision coverage may help you avoid having to pay for a loss out of your own pocket.


Even while parked in the comfort of your garage, your Buick Encore is in danger. Your car may sustain damage as a result of a natural catastrophe, a storm, or another event. Comprehensive coverage will offer coverage in the event of damage.

Glass Coverage 

Windshield replacement on a Buick Encore may cost between $300 and $500. Rather than incurring that expense on your own, you may have your windshield replaced via no-deductible glass coverage. This insurance endorsement is often inexpensive and well worth the few additional premium dollars.

Gap Insurance

You’ll need comprehensive insurance if you’re funding or renting your Buick Encore. If you are involved in a complete loss accident, gap coverage will pay the difference between the car’s market value and the balance owed. Without gap insurance, you’ll be on the hook for the difference.

What Affects the Cost of Insurance for Your Buick Encore

Various factors contribute to the cost of insurance for your Buick Encore. It is not just about the car. For instance, younger drivers will pay higher insurance premiums due to their inexperience and proclivity for causing more accidents. Insurance costs for an adolescent Buick Encore driver are $5,196 per year.

The lowest yearly average cost for comprehensive coverage in the United States is $815. Multiple traffic infractions or an accident in which you were at fault will classify you as a high-risk driver. Buick Encore insurance costs an average of $3,052 per year for a high-risk driver.

Check out our other review for Buick insurance rates for additional information.