Chevrolet HHR Insurance Rates

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

Average premium for full coverage: $964

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and HHR trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Chevrolet HHR insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $591
• Using higher $1,000 deductibles will save approximately $884 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $964
• Selecting low $100 deductibles for physical damage coverage will cost an additional $150 each year
• Higher-risk drivers with serious driving violations could pay up to $2,068 or more
• An auto insurance policy that insures a teenage driver can cost as much as $3,900 or more

View Chart as Image

Insurance prices for a Chevrolet HHR also have a wide range based on the trim level of your HHR, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be around 41% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

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 $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $230 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company calculates prices differently, so the prices will be substantially different.

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 Find Affordable Chevrolet HHR Insurance

Finding better rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates at least once a year by quoting rates from direct companies, and also from insurance agencies where you live.

The following list is a brief review of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $110 per year simply by quoting early and online
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,100 more annually than a safer driver
• Increasing policy deductibles can save approximately $225 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $325 per month if full coverage is included