Fiat 500X vs Buick Encore Insurance Cost

The Buick Encore is cheaper to insure by about $50 a year for full coverage by our estimate ($1,365 vs. $1,315), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Fiat 500X	Buick Encore	Difference
State minimum	$585	$565	+$20
Standard (100/300/100)	$845	$820	+$25
Full coverage	$1,365	$1,315	+$50

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 500X minus Encore.

Why one costs more to insure

Factor	Fiat 500X	Buick Encore
Segment	Small SUV	Small SUV
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	1	2

500X vs Encore insurance by state

State	500X	Encore	Difference
Alabama	$1,175	$1,130	+$45
Alaska	$1,190	$1,145	+$45
Arizona	$1,440	$1,380	+$60
Arkansas	$1,180	$1,130	+$50
California	$1,325	$1,270	+$55
Colorado	$1,540	$1,480	+$60
Connecticut	$1,470	$1,410	+$60
Delaware	$1,555	$1,500	+$55
District of Columbia	$1,715	$1,645	+$70
Florida	$2,005	$1,935	+$70
Georgia	$1,720	$1,655	+$65
Hawaii	$930	$895	+$35
Idaho	$925	$885	+$40
Illinois	$1,175	$1,130	+$45
Indiana	$965	$925	+$40
Iowa	$905	$865	+$40
Kansas	$1,070	$1,025	+$45
Kentucky	$1,155	$1,110	+$45
Louisiana	$1,900	$1,825	+$75
Maine	$860	$825	+$35
Maryland	$1,545	$1,485	+$60
Massachusetts	$1,340	$1,285	+$55
Michigan	$1,480	$1,420	+$60
Minnesota	$1,125	$1,080	+$45
Mississippi	$1,290	$1,240	+$50
Missouri	$1,230	$1,180	+$50
Montana	$1,065	$1,020	+$45
Nebraska	$1,070	$1,025	+$45
Nevada	$1,610	$1,555	+$55
New Hampshire	$965	$925	+$40
New Jersey	$1,680	$1,615	+$65
New Mexico	$1,220	$1,170	+$50
New York	$1,860	$1,790	+$70
North Carolina	$995	$955	+$40
North Dakota	$845	$810	+$35
Ohio	$965	$930	+$35
Oklahoma	$1,210	$1,160	+$50
Oregon	$1,245	$1,200	+$45
Pennsylvania	$1,175	$1,130	+$45
Rhode Island	$1,670	$1,605	+$65
South Carolina	$1,480	$1,425	+$55
South Dakota	$1,005	$960	+$45
Tennessee	$1,120	$1,075	+$45
Texas	$1,605	$1,540	+$65
Utah	$1,260	$1,210	+$50
Vermont	$865	$830	+$35
Virginia	$1,175	$1,125	+$50
Washington	$1,205	$1,160	+$45
West Virginia	$1,120	$1,075	+$45
Wisconsin	$920	$885	+$35
Wyoming	$1,030	$985	+$45

By driver profile (full coverage)

Driver	500X	Encore
Teen driver (18, own policy)	$3,760	$3,610
Young adult (22)	$2,190	$2,100
Adult in their 30s	$1,365	$1,315
Adult in their 50s	$1,260	$1,210
Senior (72)	$1,530	$1,470
30s, one at-fault accident	$1,985	$1,905
30s, DUI on record	$2,530	$2,430

More comparisons

Frequently asked questions

Is the Fiat 500X or the Buick Encore cheaper to insure?

By our estimate the Buick Encore is cheaper, by about $50 a year for full coverage ($1,365 vs. $1,315) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Fiat 500X and Buick Encore?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page