Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated insurance rates for a Chevrolet HHR are $964 a year for full coverage. Comprehensive insurance costs on average $158, collision costs $188, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,068 or more. Teens pay the most at $3,900 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Comprehensive $158
Collision $188
Liability $460

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different HHR trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Chevrolet HHR go from as low as $510 for just liability coverage to a much higher rate of $2,068 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $964
High Risk $2,068

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using averaged prices.

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.

Detailed Rate Analysis

The chart below shows estimated Chevrolet HHR insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $591
  • Drivers who choose higher $1,000 deductibles will pay around $80 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $964
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $150 every year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,068 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage may cost $3,900 a year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing full coverage Chevrolet HHR insurance prices range from $591 to $3,900

Auto insurance prices for a Chevrolet HHR also have a wide range based on your driving characteristics, the trim level of your HHR, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $3,900 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet HHR insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,380 on average in Michigan, Louisiana, and New York.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $874 -$90 -9.3%
Alaska $740 -$224 -23.2%
Arizona $802 -$162 -16.8%
Arkansas $964 -$0 0.0%
California $1,098 $134 13.9%
Colorado $924 -$40 -4.1%
Connecticut $990 $26 2.7%
Delaware $1,092 $128 13.3%
Florida $1,206 $242 25.1%
Georgia $890 -$74 -7.7%
Hawaii $692 -$272 -28.2%
Idaho $654 -$310 -32.2%
Illinois $718 -$246 -25.5%
Indiana $726 -$238 -24.7%
Iowa $650 -$314 -32.6%
Kansas $916 -$48 -5.0%
Kentucky $1,316 $352 36.5%
Louisiana $1,426 $462 47.9%
Maine $596 -$368 -38.2%
Maryland $794 -$170 -17.6%
Massachusetts $772 -$192 -19.9%
Michigan $1,676 $712 73.9%
Minnesota $808 -$156 -16.2%
Mississippi $1,154 $190 19.7%
Missouri $854 -$110 -11.4%
Montana $1,036 $72 7.5%
Nebraska $760 -$204 -21.2%
Nevada $1,156 $192 19.9%
New Hampshire $696 -$268 -27.8%
New Jersey $1,080 $116 12.0%
New Mexico $854 -$110 -11.4%
New York $1,016 $52 5.4%
North Carolina $556 -$408 -42.3%
North Dakota $790 -$174 -18.0%
Ohio $668 -$296 -30.7%
Oklahoma $990 $26 2.7%
Oregon $884 -$80 -8.3%
Pennsylvania $920 -$44 -4.6%
Rhode Island $1,288 $324 33.6%
South Carolina $874 -$90 -9.3%
South Dakota $814 -$150 -15.6%
Tennessee $844 -$120 -12.4%
Texas $1,162 $198 20.5%
Utah $714 -$250 -25.9%
Vermont $660 -$304 -31.5%
Virginia $578 -$386 -40.0%
Washington $746 -$218 -22.6%
West Virginia $884 -$80 -8.3%
Wisconsin $668 -$296 -30.7%
Wyoming $862 -$102 -10.6%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $230 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 41% to 127% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet HHR LS $948 $79
Chevrolet HHR LT $948 $79
Chevrolet HHR SS $1,014 $85

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.

Chevrolet HHR Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Chevrolet HHR $176 $236 $474 $1,044
2010 Chevrolet HHR $166 $214 $474 $1,012
2009 Chevrolet HHR $162 $192 $468 $980
2008 Chevrolet HHR $158 $188 $460 $964
2007 Chevrolet HHR $156 $178 $452 $944

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 Cheaper Chevrolet HHR Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a condensed summary of the data touched on in this article.

  • Policyholders who require increased liability limits will pay approximately $510 each year to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers can save as much as $110 per year simply by shopping early and online
  • Increasing policy deductibles can save around $225 each year
  • Drivers under the age of 20 are charged the highest prices, as much as $325 per month if they have full coverage

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $3,900
20 $2,198
30 $978
40 $964
50 $886
60 $866

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,046
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $964
50/100 $1,106
100/300 $1,221
250/500 $1,520
100 CSL $1,152
300 CSL $1,405
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,480
20 $3,496
30 $2,082
40 $2,068
50 $1,976
60 $1,956

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.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $373
Rate after discounts $591

Discounts are estimated and may not be available from every company or in every state.

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