Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Chevrolet HHR are $980 a year including full coverage. Comprehensive costs an estimated $162, collision insurance costs $192, and liability is $468. Liability-only coverage costs around $518 a year, and high-risk coverage costs around $2,104. 16-year-old drivers pay the most at up to $3,962 a year.
Average premium for full coverage: $980
Premium estimates broken down by type of coverage:
Includes $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different HHR trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Chevrolet HHR range from the low end price of $518 for the bare minimum liability coverage to a much higher rate of $2,104 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down average Chevrolet HHR insurance rates for other coverage scenarios.
- The best full coverage rate is $599
- Raising to $1,000 deductibles will save approximately $82 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $980
- Buying more expensive low deductibles bumps up the cost to $1,130
- Drivers with multiple tickets or accidents could pay up to $2,104
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $3,962
Insurance prices for a Chevrolet HHR also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age
Where you choose to live also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find prices as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,400 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $888 | -$92 | -9.4% |
| Alaska | $754 | -$226 | -23.1% |
| Arizona | $814 | -$166 | -16.9% |
| Arkansas | $980 | -$0 | 0.0% |
| California | $1,116 | $136 | 13.9% |
| Colorado | $938 | -$42 | -4.3% |
| Connecticut | $1,010 | $30 | 3.1% |
| Delaware | $1,110 | $130 | 13.3% |
| Florida | $1,228 | $248 | 25.3% |
| Georgia | $904 | -$76 | -7.8% |
| Hawaii | $704 | -$276 | -28.2% |
| Idaho | $664 | -$316 | -32.2% |
| Illinois | $732 | -$248 | -25.3% |
| Indiana | $738 | -$242 | -24.7% |
| Iowa | $660 | -$320 | -32.7% |
| Kansas | $934 | -$46 | -4.7% |
| Kentucky | $1,338 | $358 | 36.5% |
| Louisiana | $1,450 | $470 | 48.0% |
| Maine | $606 | -$374 | -38.2% |
| Maryland | $806 | -$174 | -17.8% |
| Massachusetts | $784 | -$196 | -20.0% |
| Michigan | $1,704 | $724 | 73.9% |
| Minnesota | $818 | -$162 | -16.5% |
| Mississippi | $1,176 | $196 | 20.0% |
| Missouri | $870 | -$110 | -11.2% |
| Montana | $1,054 | $74 | 7.6% |
| Nebraska | $774 | -$206 | -21.0% |
| Nevada | $1,176 | $196 | 20.0% |
| New Hampshire | $706 | -$274 | -28.0% |
| New Jersey | $1,096 | $116 | 11.8% |
| New Mexico | $868 | -$112 | -11.4% |
| New York | $1,034 | $54 | 5.5% |
| North Carolina | $564 | -$416 | -42.4% |
| North Dakota | $804 | -$176 | -18.0% |
| Ohio | $678 | -$302 | -30.8% |
| Oklahoma | $1,006 | $26 | 2.7% |
| Oregon | $898 | -$82 | -8.4% |
| Pennsylvania | $936 | -$44 | -4.5% |
| Rhode Island | $1,308 | $328 | 33.5% |
| South Carolina | $888 | -$92 | -9.4% |
| South Dakota | $828 | -$152 | -15.5% |
| Tennessee | $860 | -$120 | -12.2% |
| Texas | $1,182 | $202 | 20.6% |
| Utah | $726 | -$254 | -25.9% |
| Vermont | $672 | -$308 | -31.4% |
| Virginia | $588 | -$392 | -40.0% |
| Washington | $758 | -$222 | -22.7% |
| West Virginia | $898 | -$82 | -8.4% |
| Wisconsin | $678 | -$302 | -30.8% |
| Wyoming | $874 | -$106 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $240 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $421 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $962 | $80 |
| Chevrolet HHR LT | $962 | $80 |
| Chevrolet HHR SS | $1,030 | $86 |
Rates assume 2008 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Chevrolet HHR | $190 | $258 | $478 | $1,084 |
| 2010 Chevrolet HHR | $176 | $236 | $474 | $1,044 |
| 2009 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2008 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2007 Chevrolet HHR | $158 | $188 | $460 | $964 |
Rates are averaged for all Chevrolet HHR models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Chevrolet HHR Insurance
Finding better rates on insurance for a Chevrolet HHR consists of having a good driving record, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a recap of the data covered above.
- Insureds who want increased levels of liability coverage will pay around $520 per year to raise from 30/60 bodily injury limits to the 250/500 level
- You may be able to save approximately $110 per year just by shopping early and online
- Increasing policy deductibles can save approximately $225 each year
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $330 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,962 |
| 20 | $2,234 |
| 30 | $996 |
| 40 | $980 |
| 50 | $900 |
| 60 | $882 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,130 |
| $250 | $1,062 |
| $500 | $980 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $980 |
| 50/100 | $1,124 |
| 100/300 | $1,241 |
| 250/500 | $1,545 |
| 100 CSL | $1,170 |
| 300 CSL | $1,428 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,570 |
| 20 | $3,558 |
| 30 | $2,118 |
| 40 | $2,104 |
| 50 | $2,012 |
| 60 | $1,990 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $381 |
Discounts are estimated and may not be available from every company or in every state.
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