Chevrolet HHR Insurance Rates

The average insurance rates for a Chevrolet HHR are $964 a year including full coverage. Comprehensive costs on average $158 each year, collision insurance costs $188, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,068. Teenage drivers cost the most to insure at up to $3,900 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HHR models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down average Chevrolet HHR insurance rates for different risk profiles and scenarios.

• The best discount rate is $591
• Using higher $1,000 deductibles will save around $80 every year
• The estimated price for a good driver age 40 with $500 deductibles is $964
• Using low deductibles for physical damage coverage bumps up the cost to $1,114
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,068
• Policy cost that insures a 16-year-old driver may cost $3,900 or more

View Chart as Image

Insurance rates for a Chevrolet HHR also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Chevrolet HHR insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $230 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Chevrolet HHR Insurance

Finding cheaper rates on insurance for a Chevrolet HHR requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a review of the material that was covered above.

• Insureds who require increased levels of liability coverage will pay an extra $510 per year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, with premiums being up to $325 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,100 more each year to buy Chevrolet HHR insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year