Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Hummer H3 are $960 every 12 months for full coverage insurance. Comprehensive costs approximately $162, collision costs $188, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,056. 16-year-old drivers receive the highest rates at $3,866 a year or more.
Average premium for full coverage: $960
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different H3 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $504 for just the minimum liability insurance to a much higher rate of $2,056 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using 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 Analysis
The chart below illustrates estimated Hummer H3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Drivers who choose higher $1,000 deductibles will pay $78 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $960
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,112
- High-risk insureds with multiple tickets or accidents could pay around $2,056 or more
- The cost to insure a teenage driver with full coverage can cost $3,866 a year
Auto insurance rates for a Hummer H3 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your H3.
Opting for high physical damage deductibles could save up to $230 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can cost around 41% to 128% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Hummer H3 insurance rates. A 40-year-old driver could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $868 | -$92 | -9.6% |
| Alaska | $736 | -$224 | -23.3% |
| Arizona | $796 | -$164 | -17.1% |
| Arkansas | $960 | -$0 | 0.0% |
| California | $1,096 | $136 | 14.2% |
| Colorado | $916 | -$44 | -4.6% |
| Connecticut | $988 | $28 | 2.9% |
| Delaware | $1,088 | $128 | 13.3% |
| Florida | $1,202 | $242 | 25.2% |
| Georgia | $886 | -$74 | -7.7% |
| Hawaii | $690 | -$270 | -28.1% |
| Idaho | $650 | -$310 | -32.3% |
| Illinois | $714 | -$246 | -25.6% |
| Indiana | $722 | -$238 | -24.8% |
| Iowa | $648 | -$312 | -32.5% |
| Kansas | $914 | -$46 | -4.8% |
| Kentucky | $1,312 | $352 | 36.7% |
| Louisiana | $1,422 | $462 | 48.1% |
| Maine | $592 | -$368 | -38.3% |
| Maryland | $792 | -$168 | -17.5% |
| Massachusetts | $768 | -$192 | -20.0% |
| Michigan | $1,670 | $710 | 74.0% |
| Minnesota | $804 | -$156 | -16.3% |
| Mississippi | $1,150 | $190 | 19.8% |
| Missouri | $852 | -$108 | -11.3% |
| Montana | $1,030 | $70 | 7.3% |
| Nebraska | $758 | -$202 | -21.0% |
| Nevada | $1,152 | $192 | 20.0% |
| New Hampshire | $692 | -$268 | -27.9% |
| New Jersey | $1,074 | $114 | 11.9% |
| New Mexico | $852 | -$108 | -11.3% |
| New York | $1,010 | $50 | 5.2% |
| North Carolina | $554 | -$406 | -42.3% |
| North Dakota | $786 | -$174 | -18.1% |
| Ohio | $664 | -$296 | -30.8% |
| Oklahoma | $986 | $26 | 2.7% |
| Oregon | $878 | -$82 | -8.5% |
| Pennsylvania | $916 | -$44 | -4.6% |
| Rhode Island | $1,282 | $322 | 33.5% |
| South Carolina | $870 | -$90 | -9.4% |
| South Dakota | $810 | -$150 | -15.6% |
| Tennessee | $842 | -$118 | -12.3% |
| Texas | $1,160 | $200 | 20.8% |
| Utah | $712 | -$248 | -25.8% |
| Vermont | $658 | -$302 | -31.5% |
| Virginia | $576 | -$384 | -40.0% |
| Washington | $744 | -$216 | -22.5% |
| West Virginia | $880 | -$80 | -8.3% |
| Wisconsin | $664 | -$296 | -30.8% |
| Wyoming | $856 | -$104 | -10.8% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $944 | $79 |
| Hummer H3 4WD | $944 | $79 |
| Hummer H3 Luxury Package 4WD | $960 | $80 |
| Hummer H3 Alpha 4WD | $976 | $81 |
Rates assume 2006 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 |
|---|---|---|---|---|
| 2009 Hummer H3 | $174 | $226 | $474 | $1,032 |
| 2008 Hummer H3 | $168 | $202 | $468 | $996 |
| 2006 Hummer H3 | $162 | $188 | $452 | $960 |
Rates are averaged for all Hummer H3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Hummer H3 Insurance
Saving money on auto insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following list is a brief recap of the ideas that were covered above.
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $322 per month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may have to pay on average $1,100 more per year than a safer driver
- Increasing deductibles could save as much as $225 each year
- It is possible to save around $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,866 |
| 20 | $2,184 |
| 30 | $976 |
| 40 | $960 |
| 50 | $882 |
| 60 | $862 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,112 |
| $250 | $1,044 |
| $500 | $960 |
| $1,000 | $882 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $960 |
| 50/100 | $1,066 |
| 100/300 | $1,179 |
| 250/500 | $1,473 |
| 100 CSL | $1,112 |
| 300 CSL | $1,360 |
| 500 CSL | $1,541 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,436 |
| 20 | $3,476 |
| 30 | $2,070 |
| 40 | $2,056 |
| 50 | $1,966 |
| 60 | $1,946 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $33 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $369 |
Discounts are estimated and may not be available from every company or in every state.
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