Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance rates for a Chevrolet HHR are $964 a year with full coverage. Comprehensive insurance costs an estimated $158 each year, collision insurance costs $188, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,068 or more. 16-year-old drivers cost the most to insure at up to $3,900 a year.

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Comprehensive $158
Collision $188
Liability $460

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and HHR models.

Price Range Variability

Using a 40-year-old driver as an example, Chevrolet HHR insurance rates range from as low as $510 for liability-only coverage to a high rate of $2,068 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using rate 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 details average Chevrolet HHR insurance rates for other coverage scenarios.

  • The best full coverage rate is $591
  • Using higher $1,000 deductibles will save approximately $80 annually
  • The average rate for a good driver age 40 who has $500 deductibles is $964
  • Buying low deductibles for physical damage coverage will cost an extra $150 each year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,068
  • Policy cost for full coverage for a teenage driver can cost as much as $3,900 or more

View Chart as Image

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

Insurance rates for a Chevrolet HHR also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

Your home state has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles could cut rates by as much as $230 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be around 41% to 127% more than the average rate. View High Risk Driver Rates

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 the Best Cheap Chevrolet HHR Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to shop around at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the car insurance concepts raised in the charts and tables above.

  • Drivers with a DUI or reckless driving violation may pay on average $1,100 more annually to insure their HHR
  • You may be able to save approximately $110 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • Consumers who want more liability coverage will pay around $510 every year to increase from a 30/60 limit to 250/500 limits

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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