Chevrolet HHR Insurance Rates

U.S. average auto insurance rates for a Chevrolet HHR are $964 annually for full coverage insurance. Comprehensive insurance costs approximately $158, collision costs $188, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,068 or more. Teen drivers pay the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different HHR trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates 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 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $964
• Choosing more expensive low deductibles for physical damage coverage costs an additional $150 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,068 or more
• The price with full coverage for a teen driver with full coverage can cost $3,900 or more

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Auto insurance prices for a Chevrolet HHR are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 41% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $230 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,300 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices may be quite different 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 Affordable Chevrolet HHR Insurance

Getting lower rates on Chevrolet HHR insurance requires having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $110 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,100 more per year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $225 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $325 a month if full coverage is included