Hummer H3 Alpha 4WD Insurance Rates

Estimated insurance rates for a Hummer H3 Alpha 4WD are $1,524 a year including full coverage. Comprehensive costs approximately $368, collision costs $634, and liability costs $364. Liability-only insurance costs as little as $430 a year, with high-risk driver insurance costing around $3,282. Teen drivers pay the most at $5,504 a year or more.

Annual premium for full coverage: $1,524

Premium estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Hummer H3 Trim Level

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

These rate differences highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance prices for a Hummer H3 Alpha 4WD also have a wide range based on your driving characteristics, the replacement cost of your H3, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Hummer H3 Alpha 4WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $670 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,400 additional annually, depending on your age. Hummer H3 Alpha 4WD insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates

With such a large range of rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates will be substantially different from one company to the next.

View Chart as Image

The chart above shows average Hummer H3 Alpha 4WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $873. Drivers who choose higher $1,000 deductibles will pay around $1,298. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,524. Selecting more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,966. High risk drivers could be charged up to $3,282. The rate for full coverage insurance for a teenager is $5,504.

View Chart as Image