Best Buick Encore GX Auto Insurance in 2024 (Top 10 Companies Ranked)
Find the best Buick Encore GX auto insurance from top providers like State Farm, Geico, and Progressive, with rates starting at just $60 per month. These companies offer competitive pricing and strong coverage options. Compare quotes to find the best value for your Buick Encore insurance cost.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best Buick Encore GX auto insurance providers are State Farm, Geico, and Progressive, offering rates as low as $60 per month. These companies stand out for their competitive pricing and comprehensive coverage options. Understanding these factors can help drivers effectively manage their Buick insurance cost and find the best fit for their needs.
This article provides insights into the best Buick Encore GX auto insurance options, also offers detailed comparisons of rates and coverage, helping Buick Encore GX owners make informed decisions to secure affordable auto insurance premiums and optimal protection for their vehicles.
Our Top 10 Company Picks: Best Buick Encore GX Auto Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 25% A++ Extensive Discounts Geico
#3 5% A+ Flexible Coverage Progressive
#4 15% A+ Local Agents Allstate
#5 20% A+ Claims Satisfaction Nationwide
#6 15% A+ Customizable Coverage Farmers
#7 5% A Multi-Policy Discounts Liberty Mutual
#8 8% A++ Financial Stability Travelers
#9 10% A Various Discounts American Family
#10 20% A++ Military Personnel USAA
Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
- Buick Encore GXs have competitive safety-based insurance rates
- Costs vary by trim level and crash ratings
- State Farm is the top choice for affordable coverage
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#1 – State Farm: Top Overall Pick
Pros
- Wide Network of Agents: State Farm auto insurance review highlights the broad network of local agents, making it easy for Buick Encore GX owners to receive personalized assistance and advice specific to their insurance needs.
- Discounts for Safe Drivers: State Farm provides significant discounts for safe drivers, which can help Buick Encore GX owners lower their overall insurance costs while rewarding them for their good driving habits.
- Bundling Options: State Farm offers attractive bundling options, allowing Buick Encore GX owners to save money by combining their auto insurance with other policies like home or renters insurance.
Cons
- Higher Premiums for Younger Drivers: Buick Encore GX owners who are younger drivers may find State Farm’s premiums higher compared to other providers, making it less affordable for this demographic.
- Limited Online Tools: State Farm’s online tools and mobile app may not be as advanced as competitors, which can be a disadvantage for Buick Encore GX owners who prefer managing their policies digitally.
#2 – Geico: Best for Extensive Discounts
Pros
- Competitive Rates: Geico offers some of the most competitive rates in the market, making it an excellent choice for Buick Encore GX owners looking to save on their auto insurance premiums.
- User-Friendly Mobile App: Geico’s mobile app is highly rated and user-friendly, allowing Buick Encore GX owners to easily manage their policies, file claims, and access their insurance information on the go.
- Extensive Discount Options: Geico provides a wide range of discounts, including for good drivers, multi-policy holders, and federal employees, helping Buick Encore GX owners reduce their insurance costs significantly. Learn more details in our page titled Geico auto insurance review.
Cons
- Customer Service Limitations: While Geico excels in digital tools, some Buick Encore GX owners may find their customer service less personalized compared to insurers with a strong local agent presence.
- Higher Rates After Accidents: Geico tends to raise premiums significantly after an at-fault accident, which could result in higher costs for Buick Encore GX owners with less-than-perfect driving records.
#3 – Progressive: Best for Flexible Coverage
Pros
- Usage-Based Insurance Options: Progressive auto insurance review showcases the Snapshot program for Buick Encore GX owners to save based on their actual driving habits, which can be particularly beneficial for safe drivers.
- Comprehensive Coverage Options: Progressive provides a wide array of coverage options, allowing Buick Encore GX owners to customize their policies to fit their specific needs and preferences.
- 24/7 Customer Support: With 24/7 customer support, Progressive ensures that Buick Encore GX owners can get help and file claims anytime, offering peace of mind and convenience.
Cons
- Complex Discount Structure: Progressive’s discount structure can be complex and difficult for Buick Encore GX owners to navigate, potentially making it hard to understand and maximize savings.
- Higher Rates for High-Risk Drivers: Buick Encore GX owners who are considered high-risk drivers may face higher premiums with Progressive, making it less attractive for those with a spotty driving history.
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#4 – Allstate: Best for Local Agents
Pros
- Robust Claims Process: Allstate’s Claim Satisfaction Guarantee ensures Buick Encore GX owners receive a high level of service and satisfaction when filing claims, offering reassurance during stressful times.
- Wide Range of Discounts: As mentioned in our Allstate auto insurance review, Allstate offers various discounts, including for new cars and safe drivers, which can help Buick Encore GX owners reduce their insurance premiums effectively.
- Strong Financial Ratings: Allstate’s solid financial ratings indicate reliability and stability, ensuring Buick Encore GX owners that the company is capable of handling large claims and payouts.
Cons
- Higher Premiums: Allstate’s premiums tend to be higher compared to other providers, which may make it less attractive for Buick Encore GX owners looking for budget-friendly options.
- Limited Availability of Local Agents: In some areas, Buick Encore GX owners may find fewer local Allstate agents available, which can limit access to personalized in-person service.
#5 – Nationwide: Best for Claims Satisfaction
Pros
- Vanishing Deductible Program: Nationwide’s Vanishing Deductible program rewards Buick Encore GX owners for safe driving by reducing their deductible over time, potentially saving them money in the long run.
- Strong Customer Service: Nationwide is known for its strong customer service, ensuring that Buick Encore GX owners receive prompt and helpful assistance when needed. For more information, read our Nationwide auto insurance review.
- Customizable Policies: Nationwide offers customizable policies, allowing Buick Encore GX owners to tailor their coverage to meet their specific needs and preferences.
Cons
- Limited Availability in Some Regions: Nationwide’s coverage might not be as widely available in all regions, which could be a drawback for Buick Encore GX owners living in less populated areas.
- Higher Rates for Older Vehicles: Buick Encore GX owners with older models may face higher premiums with Nationwide, making it less cost-effective for those driving older cars.
#6 – Farmers: Best for Customizable Coverage
Pros
- Extensive Coverage Options: Farmers offers a wide range of coverage options, enabling Buick Encore GX owners to customize their policies to fit their exact needs and preferences. See more details in our page titled Farmers auto insurance review.
- Accident Forgiveness: Farmers’ accident forgiveness program can be highly beneficial for Buick Encore GX owners, as it prevents their premiums from increasing after their first at-fault accident.
- Strong Local Agent Network: With a strong network of local agents, Farmers provides Buick Encore GX owners with personalized service and support, ensuring they receive tailored advice and assistance.
Cons
- Higher Premiums for New Drivers: Farmers may charge higher premiums for new or inexperienced Buick Encore GX drivers, making it less affordable for this demographic.
- Limited Online Tools: The online tools and digital resources offered by Farmers may not be as advanced as those of some competitors, which can be a disadvantage for tech-savvy Buick Encore GX owners.
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#7 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Customizable Coverage: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual offers highly customizable coverage options, allowing Buick Encore GX owners to build a policy that fits their unique needs and budget.
- New Car Replacement: Liberty Mutual’s new car replacement program is a significant advantage for Buick Encore GX owners, providing a brand-new vehicle if theirs is totaled within the first year.
- Accident Forgiveness: Liberty Mutual’s accident forgiveness program helps keep premiums steady for Buick Encore GX owners after their first at-fault accident, reducing long-term costs.
Cons
- Higher Rates for High-Risk Drivers: Liberty Mutual tends to charge higher premiums for high-risk drivers, which could be a drawback for Buick Encore GX owners with poor driving records.
- Customer Service Variability: Some Buick Encore GX owners may experience inconsistent customer service quality, depending on their location and the specific Liberty Mutual office they interact with.
#8 – Travelers: Best for Financial Stability
Pros
- Competitive Rates: As outlined in our Travelers auto insurance review, Travelers offers competitive rates, making it an attractive option for Buick Encore GX owners looking to save on their auto insurance premiums.
- Excellent Financial Strength: With strong financial ratings, Travelers provides Buick Encore GX owners with confidence in the company’s ability to pay out claims promptly and efficiently.
- Broad Range of Discounts: Travelers offers a variety of discounts, including multi-policy and safe driver discounts, which can help Buick Encore GX owners lower their insurance costs.
Cons
- Limited Availability of Local Agents: In some areas, Buick Encore GX owners might find fewer Travelers agents available, which can limit access to personalized service.
- Complex Policy Options: Travelers’ policy options can be complex, making it difficult for Buick Encore GX owners to fully understand and choose the best coverage for their needs.
#9 – American Family: Best for Various Discounts
Pros
- Affordable Premiums: American Family offers affordable premiums for Buick Encore GX owners, making it a budget-friendly option without compromising on coverage quality.
- Strong Customer Service: American Family is known for its strong customer service, ensuring Buick Encore GX owners receive helpful and prompt assistance when needed. (Read More: American Family Auto Insurance Review).
- Wide Range of Discounts: With a broad range of discounts, including for safe drivers and bundling policies, American Family helps Buick Encore GX owners reduce their insurance costs significantly.
Cons
- Limited Availability: American Family may not be available in all states, which can be a drawback for Buick Encore GX owners living in areas where the company does not operate.
- Higher Rates for Young Drivers: Young Buick Encore GX drivers might face higher premiums with American Family, making it less cost-effective for this demographic.
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#10 – USAA: Best for Military Personnel
Pros
- Low Premiums: USAA offers some of the lowest premiums in the market, making it a highly cost-effective choice for Buick Encore GX owners, especially for those with military affiliation.
- Excellent Customer Satisfaction: As mentioned in our USAA auto insurance review, USAA consistently ranks high in customer satisfaction, providing Buick Encore GX owners with reliable and top-notch service.
- Comprehensive Coverage Options: USAA offers comprehensive coverage options tailored to meet the needs of Buick Encore GX owners, ensuring they are well-protected on the road.
Cons
- Eligibility Restrictions: USAA is only available to military members and their families, which limits access for Buick Encore GX owners without military affiliation.
- Limited Local Offices: USAA has fewer local offices, which can be a disadvantage for Buick Encore GX owners who prefer in-person service and support.
Factors Impacting the Cost of Buick Encore GX Insurance
Your insurance rates for a Buick Encore GX can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Buick Encore GX.
Buick Encore GX Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $62 $125
American Family $57 $113
Farmers $63 $122
Geico $55 $110
Liberty Mutual $61 $121
Nationwide $59 $118
Progressive $58 $115
State Farm $60 $120
Travelers $60 $119
USAA $54 $108
The table above compares monthly rates for minimum and full coverage auto insurance for a Buick Encore GX from various providers. Comparing monthly insurance rates for the Buick Encore GX helps identify affordable coverage options.
Cost of Insuring Vehicles Like the Buick Encore GX
Exploring insurance rates for vehicles similar to the Buick Encore GX reveals significant differences in costs among various models.
Buick Encore GX Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Buick Encore GX | $29 | $50 | $31 | $123 |
| Honda HR-V | $25 | $44 | $31 | $113 |
| Ford Escape | $23 | $37 | $26 | $98 |
| Toyota RAV4 | $25 | $42 | $31 | $110 |
| Hyundai Tucson | $25 | $39 | $31 | $108 |
| Lincoln MKX | $25 | $50 | $33 | $121 |
| FIAT 500X | $21 | $42 | $38 | $116 |
| Buick Envision | $27 | $47 | $33 | $120 |
| MINI Clubman | $27 | $42 | $33 | $115 |
Analyzing insurance rates for vehicles comparable to the Buick Encore GX highlights the variations in costs across different models. This information can assist you in selecting the most economical option for your insurance needs.
Read More: Best Ford Escape Auto Insurance
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Buick Encore GX Pricing
If you’re looking to buy a Buick Encore GX, price is probably a factor for you. The MSRP of the Buick Encore GX is $24,200, but this price will depend on factors such as the chosen trim level, optional features, and potential dealer negotiations.
Ensuring you get cheap Buick auto insurance will also depend on the vehicle’s specifications and safety ratings, influencing insurance premiums significantly.
Buick Encore GX Crash Test Ratings
Buick Encore GX crash test ratings can significantly impact the cost of your Buick Encore GX car insurance. Higher safety ratings typically lead to lower insurance premiums, as insurers view vehicles with strong crash performance as less risky to insure.
The Encore GX’s ratings in categories such as frontal, side, and rollover tests provide crucial insights into its safety features, which may include advanced airbag systems and structural integrity.
As a result, drivers may benefit from reduced rates, especially if they qualify for additional discounts related to safety features or advanced driver-assistance systems, like lane departure warning and automatic emergency braking.
Insurance companies often reward vehicle's safety features because they help prevent accidents and minimize injury severity.Jeff Root LICENSED INSURANCE AGENT
Overall, understanding these ratings can help you make informed choices when shopping for insurance, ensuring you select a policy that offers both comprehensive coverage and competitive pricing.
Buick Encore GX Crash Test Ratings
The crash test ratings for the Buick Encore GX highlight its impressive safety features and overall performance. Evaluating these ratings is crucial for potential buyers concerned about safety when selecting insurance.
Buick Encore GX Crash Test Ratings
| Vehicle | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Buick Encore GX | 5 stars | 5 stars | 5 stars | 4 stars |
| 2023 Buick Encore GX | 5 stars | 5 stars | 5 stars | 4 stars |
| 2022 Buick Encore GX | 5 stars | 5 stars | 5 stars | 4 stars |
| 2021 Buick Encore GX | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Buick Encore GX | 5 stars | 5 stars | 5 stars | 4 stars |
The Buick Encore GX has received solid crash test ratings, demonstrating good safety performance across various categories. These ratings can be an important factor for buyers prioritizing vehicle safety in their insurance considerations.
Ways to Save on Buick Encore GX Insurance
There are several ways you can save even more on your Buick Encore GX car insurance rates. Take a look at the following five tips:
- Ask about loyalty discounts
- Ask for a higher deductible for your Buick Encore GX insurance policy
- Tell your insurer how you use your Buick Encore GX
- Buy a dashcam for your Buick Encore GX
- Ask about discounts for people with disabilities
Read More: How to Get a Customer Loyalty Auto Insurance Discount
Discover the variety of car insurance discounts offered by top providers for Buick Encore GX to help you save on your premiums.
These discounts from top insurance providers for Buick Encore GX offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
Top Buick Encore GX Insurance Companies
Several insurance companies offer competitive rates for the Buick Encore GX based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Buick Encore GX drivers organized by market share.
Largest Auto Insurers by Market Share
GX owners make informed decisions about their insurance options. Here is a breakdown of the largest auto insurers by market share, highlighting their financial volumes.
Top 10 Buick Encore GX Auto Insurance Providers by Market Share
| Rank | Insurance Company | Volume | Market Share |
|---|---|---|---|
| #1 | State Farm | $65,615,190 | 9.30% |
| #2 | Geico | $46,106,971 | 6.60% |
| #3 | Progressive | $39,222,879 | 5.60% |
| #4 | Liberty Mutual | $35,600,051 | 5.10% |
| #5 | Allstate | $35,025,903 | 5.00% |
| #6 | Travelers | $28,016,966 | 4.00% |
| #7 | USAA | $23,483,080 | 3.30% |
| #8 | Chubb | $23,388,385 | 3.30% |
| #9 | Farmers | $20,643,559 | 2.90% |
| #10 | Nationwide | $18,442,145 | 2.60% |
Choosing an insurance company with a significant market share often indicates reliability and customer trust. Be sure to assess coverage options and customer service when selecting an insurer for your Buick Encore GX.
Read More: 10 Auto Insurance Companies With the Best Customer Service
Comparing free Buick Encore GX insurance quotes online. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
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Frequently Asked Questions
What types of coverage are available for Buick Encore GX auto insurance?
Buick Encore GX auto insurance typically offers the same coverage options as insurance for other vehicles. These options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and optional coverages such as roadside assistance and rental car reimbursement coverage.
The specific coverage options available may vary depending on the insurance provider and policy.
Is Buick Encore GX auto insurance any different from insurance for other Buick models?
Buick Encore GX auto insurance is similar to insurance for other Buick models. However, insurance rates can vary depending on factors such as the model’s safety features, repair costs, theft rates, and the driver’s profile.
It’s advisable to obtain quotes from multiple insurance providers to compare premiums specifically for the Buick Encore GX. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Are Buicks expensive to insure compared to other cars?
The cost of insurance for a Buick Encore GX can vary based on factors such as the model’s safety features, repair costs, and theft rates. While the Buick Encore GX is generally known for its safety features, insurance rates can still be influenced by other factors such as the driver’s profile and location. Obtaining quotes from multiple insurance providers is recommended to compare premiums for the Buick Encore GX.
What happens if my liability coverage is exhausted?
If your liability coverage insurance is exhausted, you may be personally responsible for any remaining legal costs or damages. It’s crucial to choose adequate coverage to protect your financial interests.
Can I get discounts on Buick Encore GX auto insurance?
Yes, many insurance providers offer discounts on Buick Encore GX auto insurance. Common discounts include multi-car discounts, safe driver discounts, discounts for anti-theft devices or safety features on the Buick Encore GX, and discounts for bundling multiple policies with the same insurer. Inquire with insurance providers about available discounts specifically for the Buick Encore GX.
Can I use any insurance provider for my Buick Encore GX, or are there recommended companies?
You can choose any insurance provider for your Buick Encore GX. However, it’s recommended to research and compare quotes from different insurance companies to find the best coverage and rates for your specific needs. Consider factors such as the company’s reputation, customer service, coverage options, and financial stability when selecting an insurance provider for your Buick Encore GX.
Do I need any additional coverage for a leased or financed Buick Encore GX vehicle?
If you lease or finance a Buick Encore GX vehicle, the leasing or financing company may require you to carry specific coverage types or higher coverage limits. This is to protect their financial interest in the vehicle.
Common requirements include comprehensive and collision coverage. It’s essential to review the terms of your lease or finance agreement and consult with your insurance provider to ensure compliance with any specific requirements.
What steps can I take to potentially lower the insurance rates for my Buick Encore GX vehicle?
To potentially lower insurance rates for your Buick Encore GX vehicle, you can consider factors such as maintaining a clean driving record, installing anti-theft devices, taking advantage of available discounts, opting for higher deductibles, and bundling your auto insurance with other policies. Additionally, comparing quotes from multiple insurance providers can help you find competitive rates for your Buick Encore GX.
Does my crash type insurance cover damages caused by weather-related incidents?
Generally, crash type insurance does not cover weather-related damages, as these are typically addressed under comprehensive coverage. It’s important to review your policy details for specific terms
Does the Buick Encore GX’s safety rating impact insurance rates?
Yes, the Buick Encore GX’s strong safety ratings can lead to lower insurance premiums, as insurers often reward vehicles with better crash performance with discounts. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
