Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Chevrolet HHR are $944 annually including full coverage. Comprehensive insurance costs on average $156 each year, collision insurance costs $178, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs $2,020 or more. Teen drivers pay the most at up to $3,820 a year.

Average premium for full coverage: $944

Premium estimates by type of coverage:

Comprehensive $156
Collision $178
Liability $452

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HHR models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Chevrolet HHR range from as cheap as $504 for liability-only coverage to a high rate of $2,020 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $944
High Risk $2,020

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $708
Small Cities $991
Large Cities $1,274

These rate differences highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using price 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 Charts and Tables

The chart below breaks down average Chevrolet HHR insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $582
  • Using higher $1,000 deductibles will save around $76 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $944
  • Choosing low deductibles for physical damage coverage costs an additional $144 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020
  • An auto insurance policy with full coverage for a teenage driver may cost $3,820 or more

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance prices range from $582 to $3,820 for full coverage

Insurance prices for a Chevrolet HHR also have a wide range based on the model of your HHR, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $220 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$90 -9.5%
Alaska $726 -$218 -23.1%
Arizona $784 -$160 -16.9%
Arkansas $944 -$0 0.0%
California $1,076 $132 14.0%
Colorado $900 -$44 -4.7%
Connecticut $972 $28 3.0%
Delaware $1,068 $124 13.1%
Florida $1,182 $238 25.2%
Georgia $872 -$72 -7.6%
Hawaii $678 -$266 -28.2%
Idaho $640 -$304 -32.2%
Illinois $704 -$240 -25.4%
Indiana $710 -$234 -24.8%
Iowa $636 -$308 -32.6%
Kansas $898 -$46 -4.9%
Kentucky $1,288 $344 36.4%
Louisiana $1,396 $452 47.9%
Maine $582 -$362 -38.3%
Maryland $778 -$166 -17.6%
Massachusetts $754 -$190 -20.1%
Michigan $1,640 $696 73.7%
Minnesota $790 -$154 -16.3%
Mississippi $1,130 $186 19.7%
Missouri $836 -$108 -11.4%
Montana $1,014 $70 7.4%
Nebraska $744 -$200 -21.2%
Nevada $1,132 $188 19.9%
New Hampshire $680 -$264 -28.0%
New Jersey $1,056 $112 11.9%
New Mexico $836 -$108 -11.4%
New York $994 $50 5.3%
North Carolina $544 -$400 -42.4%
North Dakota $774 -$170 -18.0%
Ohio $654 -$290 -30.7%
Oklahoma $970 $26 2.8%
Oregon $864 -$80 -8.5%
Pennsylvania $900 -$44 -4.7%
Rhode Island $1,260 $316 33.5%
South Carolina $856 -$88 -9.3%
South Dakota $796 -$148 -15.7%
Tennessee $826 -$118 -12.5%
Texas $1,140 $196 20.8%
Utah $700 -$244 -25.8%
Vermont $646 -$298 -31.6%
Virginia $566 -$378 -40.0%
Washington $730 -$214 -22.7%
West Virginia $864 -$80 -8.5%
Wisconsin $654 -$290 -30.7%
Wyoming $842 -$102 -10.8%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

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 $928 $77
Chevrolet HHR LT $928 $77
Chevrolet HHR SS $994 $83

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 $166 $214 $474 $1,012
2010 Chevrolet HHR $162 $192 $468 $980
2009 Chevrolet HHR $158 $188 $460 $964
2008 Chevrolet HHR $156 $178 $452 $944
2007 Chevrolet HHR $142 $170 $446 $916

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 Buy the Best Cheap Chevrolet HHR Insurance

Finding better rates on auto insurance requires having a good driving record, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every other policy renewal by quoting rates from direct car insurance companies, and also from several local insurance agents.

The next list is a quick review of the ideas that were raised in the charts and tables above.

  • Drivers age 20 and younger pay higher prices, with the cost nearing $318 per month if they have full coverage
  • Drivers with a DUI or reckless driving violation pay on average $1,080 more each year to buy Chevrolet HHR insurance
  • Increasing policy deductibles could save up to $225 each year
  • You may be able to save as much as $100 per year just by quoting online in advance

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $3,820
20 $2,150
30 $958
40 $944
50 $868
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,024
$500 $944
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $1,084
100/300 $1,197
250/500 $1,491
100 CSL $1,130
300 CSL $1,378
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,364
20 $3,416
30 $2,034
40 $2,020
50 $1,932
60 $1,912

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 $123

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $63
Total Discounts $362
Rate after discounts $582

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

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