Chevrolet HHR Insurance Rates

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

Average premium for full coverage: $964

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/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 prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $591
• Using higher $1,000 deductibles will save $80 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $964
• Choosing low deductibles for physical damage coverage will cost $1,114
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,068 or more
• Policy cost with full coverage for a 16-year-old driver can cost $3,900 or more

View Chart as Image

Insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $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 average. View High Risk Driver Rates

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

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 Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Low Cost Chevrolet HHR Insurance

Finding cheaper rates on insurance for a Chevrolet HHR requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the data touched on above.

• Insureds who purchase more liability coverage will pay about $510 per year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save around $110 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Teen drivers are expensive to insure, with premiums being up to $325 each month including comprehensive and collision insurance