Buick Encore GX Insurance Cost: Rates by Company & Model

Full coverage for the 2025 Buick Encore GX Preferred averages $188/month ($2,256/year) for a 40-year-old male with a clean record and good credit. This rate reflects the base 1.2L three-cylinder FWD configuration, the only trim currently available in the dataset. For context on how this compares to the broader market, see average cost of car insurance across all vehicles and profiles.

The Encore GX launched for the 2020 model year and has run through 2026 on the same VSS-F platform. Rates generally rise with the newer, higher-value model years, though older years may cost more to insure than mid-range years as parts availability becomes a factor. The 2024 model year marked a trim rename, Select and Essence became Sport Touring and Avenir, but the platform and engines were unchanged, so any rate step at that boundary reflects MSRP and content changes rather than mechanical differences.

The 2026 Encore GX is the most expensive model year to insure at $115/month for full coverage, while the 2021 is the least expensive at $64/month, a $51/month gap across the full model range. Rates climb steadily from 2021 through 2026, tracking the higher replacement value of newer vehicles. The 2020 is a notable exception at $161/month, substantially higher than the 2021–2023 range; this likely reflects limited parts availability on first-year production models rather than a higher vehicle value. Note that the 2021 and 2022 rates are unusually low relative to surrounding years and should be verified against the underlying Quadrant data before publication.

The current dataset contains only the base Preferred trim for the Encore GX, so a direct trim-to-trim rate comparison is not available. The Preferred runs the 1.2L three-cylinder with a CVT, the only configuration where this engine is standard. The Sport Touring and Avenir use a 1.3L three-cylinder paired with a nine-speed automatic, which is also the only powertrain that supports AWD. If data confirms a rate step between the 1.2L CVT and 1.3L configurations, that step reflects both the engine change and the transmission, not just MSRP. AWD requires the 1.3L engine and adds approximately $2,000 MSRP on Sport Touring and Avenir trims. The Avenir ($32,895) represents a $6,000 MSRP premium over the Preferred ($26,895). Pre-2024 models used Select and Essence trim names; 2024 and later models use Sport Touring and Avenir.

American National P&C is the cheapest insurer for the 2025 Buick Encore GX Preferred at $78/month ($936/year) for full coverage. The spread between cheapest and most expensive is substantial: Pioneer State Mutual charges $397/month, a $319/month ($3,828/year) gap for the same vehicle and driver profile. The Encore GX is Buick's best-selling model and is widely quoted across the market.

The annual gap between American National P&C ($936/year) and Pioneer State Mutual ($4,764/year) is $3,828. Shopping at least four quotes is essential: switching from an average provider to American National P&C saves $1,320/year.

State regulations, litigation environments, and local repair costs create the widest rate variation on the Encore GX. The geographic spread of $279/month between Wyoming and Louisiana far exceeds any trim or provider gap available in the data.

The same Encore GX Preferred costs $103/month in Wyoming and $382/month in Louisiana, a 3.7x difference. That $279/month geographic gap ($3,348/year) dwarfs any trim-level or engine-choice savings available on this model. Drivers in high-cost states should prioritize insurer shopping over trim selection as their primary cost lever.

Driver profile is one of the most powerful rate levers on any vehicle. The rates below reflect the 40-year-old baseline profile available in the dataset. Surcharges for violations, age, and credit typically add 20% to 100% or more above the baseline depending on the carrier and state. The baseline full coverage rate of $188/month for a 40-year-old with a clean record can rise sharply for younger drivers: a DUI surcharge alone can double the premium on vehicles in this price class. See car insurance for young drivers for age-specific rate guidance.

Among compact crossover peers, the Buick Encore GX Preferred ranks as the most expensive to insure at $188/month for full coverage, above the Toyota RAV4 ($124/month), Honda CR-V LX ($148/month), Chevrolet TrailBlazer LS ($154/month), Nissan Rogue S ($169/month), and Toyota RAV4 LE ($181/month). At a $26,895 base MSRP, the Encore GX's insurance cost is higher than its MSRP position among mainstream compact SUVs would predict, suggesting that Buick's premium badge positioning carries a measurable insurance premium. See how this compares across the most expensive cars to insure.

The Encore GX costs $34/month more to insure than the Chevrolet TrailBlazer LS, a platform-mate sharing the same VSS-F architecture and powertrain family. That $408/year premium reflects Buick's badge positioning rather than any mechanical difference. The Toyota RAV4 LE, at $181/month, is the closest mainstream competitor by price and comes in $7/month cheaper despite a higher MSRP.

The Chevrolet TrailBlazer shares the Encore GX's VSS-F platform and powertrain family, with the same engines and transmissions in a mainstream-branded body. This comparison directly answers how much Buick's premium positioning adds to insurance cost above the platform baseline.

The Chevrolet TrailBlazer LS is cheaper to insure at $154/month ($1,848/year) versus the Buick Encore GX Preferred at $188/month ($2,256/year), a gap of $34/month ($408/year, or $2,040 over five years). The $408/year rate difference reflects Buick's premium badge and slightly higher MSRP, not different mechanical risk. Buyers cross-shopping the Encore GX and TrailBlazer should budget $408/year more for the Encore GX; over five years that gap reaches $2,040.

Within the Buick lineup, the Encore GX Preferred at $188/month sits above the Envision at $166/month and below the Envision Preferred at $191/month and Enclave Essence at $202/month. The Envision carries a $35,000+ MSRP versus the Encore GX's $27,000 base, yet the standard Envision ($166/month) is $22/month cheaper to insure than the Encore GX Preferred, which may reflect trim-level differences in the dataset. The Envision Preferred ($191/month) costs just $3/month more than the Encore GX, while the Enclave Essence ($202/month) costs $14/month more. Buyers who want Buick premium positioning at the lowest insurance cost in the current lineup should consider the Envision at $166/month ($1,992/year). Buyers who need the Encore GX specifically should budget $188/month ($2,256/year). Note: The Buick Encore (discontinued after 2022) is a distinct, smaller model and is not included in this comparison.

The 10% rule states that if your annual full coverage premium exceeds 10% of your vehicle's market value, dropping to liability-only is worth considering. The Encore GX depreciates at an average rate: the 2023 model lost 38% in three years per KBB, falling to approximately $16,750. At lower price points, the 10% threshold is reached earlier in absolute premium terms than on luxury vehicles.

The 2022 Encore GX Preferred at approximately $15,000 market value hits a $1,500/year threshold. At $2,256/year for full coverage, it is already well past that threshold. Review collision coverage first; keep comprehensive longer given that lower-value vehicles attract catalytic converter theft risk. The Encore GX has no PHEV battery or high-value unique components, so the standard 10% rule applies without exceptions.

Full coverage for the 2025 Buick Encore GX Preferred averages $188/month ($2,256/year), the highest rate among compact crossover peers in my dataset, above the Toyota RAV4 ($124/month), Honda CR-V LX ($148/month), and Chevrolet TrailBlazer LS ($154/month). The two most impactful rate variables are state and insurer choice: Wyoming drivers pay $103/month while Louisiana drivers pay $382/month (a 3.7x gap), and the cheapest insurer, American National P&C at $78/month, undercuts the most expensive by $319/month ($3,828/year). The 1.2L-to-1.3L engine step at Sport Touring changes both the engine and transmission; if future data confirms a rate step, it would represent unusual powertrain leverage for a vehicle in this price class. At $26,895 base with a premium-positioned cabin, the Encore GX competes with mainstream compact SUVs, but buyers should factor the total ownership cost premium into their purchase decision when insurance rates are at or above the mainstream level.