How much is insurance on a Buick Encore GX?

A 2024 Buick Encore GX runs about $1,900 a year for a typical 45-year-old, about the same as an average car of the same age: more injury claims and more damage to others' property and lower non-crash losses and lower crash-repair losses about even out. Putting a new 16-year-old on a family policy with the Encore GX adds about $1,250 a year (#32 of 52 small SUVs we compare).

2024 Buick Encore GX (Encore GX AWD), national average

about $1,900 a year (about $160 a month)

Estimated range: $1,400–$2,550. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Encore GX drops to about $1,850 (see the table below).

A Buick Encore GX from the 2020–present generation. Photo: Elise240SX, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Encore GX AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Encore GX's rank is the same in every state.

Why the Buick Encore GX costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Buick Encore GX 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 77 for crash repairs, 64 for non-crash damage, 105 for damage to others' property, and 116 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average23% better than average16th best of the 52 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average36% better than average5th best of the 52 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage5% worse than average44th best of the 52 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 16% more often than average43rd best of the 47 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Encore GX comes out about 27% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 11% less than average: about $850 a year vs $950. On the liability side, damage to others and injury claims combine to about 11% worse than average. We count about half, so that part is about 6% more: $1,050 a year vs $990.

How the math works

In EPA size classes, the Encore GX is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Buick Encore GX is benchmarked against small luxury SUVs.

Matched to HLDI series “Buick Encore GX 4dr 4WD” (HLDI, 2022–24 models).

A used Buick Encore GX, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Encore GX AWD (0–3 years old)	about $1,900	about $1,050	+$1,250	about $5,440
2022 Encore GX (4–7 years old)	about $1,850	about $1,080	+$1,220	about $5,300

Our catalog covers the Buick Encore GX across model years 2020–2027. Full coverage on a used 2022 Encore GX (4–7 years old) runs about $1,850 a year, $50 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,080 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Buick Encore GX in our catalog (Encore GX AWD and Encore GX FWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Buick Encore GX, a 22–25-year-old pays about $2,470 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,110, and a driver 65 and older about $1,990.

Adding a 16-year-old with a Buick Encore GX

Adding a new 16-year-old who drives the Buick Encore GX raises the family bill by about $1,250 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,440 a year, so keeping them on the family policy saves about $4,190 a year.

For adding a teen driver, the Buick Encore GX ranks 58th cheapest out of all 121 models we track. Stepping down to a used 2022 Encore GX (4–7 years old) brings the teen add-on to about $1,220 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 52 small SUVs, the Buick Encore GX is the 21st most expensive to insure. Right next to it are the Nissan Pathfinder (about $1,900 a year) and the Toyota Corolla Cross (about $1,900).

Photos from Wikimedia Commons contributors. Photo credits.

What a Buick Encore GX costs in your state

In six sample states, a 2024 Buick Encore GX runs from about $1,320 a year in Hawaii through Indiana, Kentucky, Alabama and South Carolina to about $2,280 in Texas:

Hawaiiabout $1,320/yr · +$870 teen
Indianaabout $1,360/yr · +$900 teen
Kentuckyabout $1,590/yr · +$1,050 teen
Alabamaabout $1,670/yr · +$1,100 teen
South Carolinaabout $2,000/yr · +$1,320 teen
Texasabout $2,280/yr · +$1,500 teen

All 50 states and DC · Updated November 5, 2026.

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