Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Chevrolet HHR are $980 a year including full coverage. Comprehensive insurance costs approximately $162 each year, collision insurance costs $192, and liability insurance is estimated at $468. A liability-only policy costs approximately $518 a year, and high-risk insurance costs $2,104 or more. Teen drivers cost the most to insure at up to $3,962 a year.
Average premium for full coverage: $980
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HHR models.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet HHR insurance rates range from as low as $518 for just the minimum liability insurance to a high rate of $2,104 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why all drivers should get quotes using their specific location and risk profile, rather than relying on price 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 Analysis
The chart below breaks down average Chevrolet HHR insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $599
- Choosing higher $1,000 deductibles can save $82 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $980
- Choosing low deductibles for comp and collision coverage will cost an extra $150 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,104
- Policy cost for full coverage for a teen driver can cost $3,962 each year
Car insurance rates for a Chevrolet HHR also range considerably based on your risk profile, the model of your HHR, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
Choosing high deductibles can save as much as $240 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $421 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates
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 Cheap Chevrolet HHR Insurance
Finding cheaper rates on Chevrolet HHR insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a brief summary of the ideas that were raised in the charts and tables above.
- Teenagers pay the highest auto insurance rates, with premiums being up to $330 each month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,120 more per year for car insurance
- Increasing comprehensive and collision deductibles can save around $225 each year
- You may be able to save around $110 per year just by quoting online in advance
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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