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 $980 a year including full coverage. Comprehensive costs around $162, collision insurance costs $192, and liability insurance is $468. Liability-only insurance costs around $518 a year, and high-risk driver insurance costs around $2,104. 16-year-old drivers cost the most to insure at up to $3,962 a year.
Average premium for full coverage: $980
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all HHR models.
Price Range Variability
For an average driver, Chevrolet HHR insurance rates range from the low end price of $518 for basic liability insurance to the much higher price of $2,104 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code, rather than relying on 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.
Rate Comparisons
The chart below breaks down average Chevrolet HHR insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $599
- Raising to $1,000 deductibles will save about $82 every year
- The estimated price for a good driver age 40 using $500 deductibles is $980
- Buying pricier low deductibles bumps up the cost to $1,130
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,104
- Policy cost that insures a teen driver for full coverage can be $3,962
Auto insurance rates for a Chevrolet HHR also range considerably based on the model of your HHR, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,200 to $1,700 in extra premium every year, depending on your age. Chevrolet HHR insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $3,900 a year. View Rates by Age
Your home state also has a big influence on Chevrolet HHR insurance rates. A middle-age driver might find rates as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,400 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $888 | -$92 | -9.4% |
| Alaska | $754 | -$226 | -23.1% |
| Arizona | $814 | -$166 | -16.9% |
| Arkansas | $980 | -$0 | 0.0% |
| California | $1,116 | $136 | 13.9% |
| Colorado | $938 | -$42 | -4.3% |
| Connecticut | $1,010 | $30 | 3.1% |
| Delaware | $1,110 | $130 | 13.3% |
| Florida | $1,228 | $248 | 25.3% |
| Georgia | $904 | -$76 | -7.8% |
| Hawaii | $704 | -$276 | -28.2% |
| Idaho | $664 | -$316 | -32.2% |
| Illinois | $732 | -$248 | -25.3% |
| Indiana | $738 | -$242 | -24.7% |
| Iowa | $660 | -$320 | -32.7% |
| Kansas | $934 | -$46 | -4.7% |
| Kentucky | $1,338 | $358 | 36.5% |
| Louisiana | $1,450 | $470 | 48.0% |
| Maine | $606 | -$374 | -38.2% |
| Maryland | $806 | -$174 | -17.8% |
| Massachusetts | $784 | -$196 | -20.0% |
| Michigan | $1,704 | $724 | 73.9% |
| Minnesota | $818 | -$162 | -16.5% |
| Mississippi | $1,176 | $196 | 20.0% |
| Missouri | $870 | -$110 | -11.2% |
| Montana | $1,054 | $74 | 7.6% |
| Nebraska | $774 | -$206 | -21.0% |
| Nevada | $1,176 | $196 | 20.0% |
| New Hampshire | $706 | -$274 | -28.0% |
| New Jersey | $1,096 | $116 | 11.8% |
| New Mexico | $868 | -$112 | -11.4% |
| New York | $1,034 | $54 | 5.5% |
| North Carolina | $564 | -$416 | -42.4% |
| North Dakota | $804 | -$176 | -18.0% |
| Ohio | $678 | -$302 | -30.8% |
| Oklahoma | $1,006 | $26 | 2.7% |
| Oregon | $898 | -$82 | -8.4% |
| Pennsylvania | $936 | -$44 | -4.5% |
| Rhode Island | $1,308 | $328 | 33.5% |
| South Carolina | $888 | -$92 | -9.4% |
| South Dakota | $828 | -$152 | -15.5% |
| Tennessee | $860 | -$120 | -12.2% |
| Texas | $1,182 | $202 | 20.6% |
| Utah | $726 | -$254 | -25.9% |
| Vermont | $672 | -$308 | -31.4% |
| Virginia | $588 | -$392 | -40.0% |
| Washington | $758 | -$222 | -22.7% |
| West Virginia | $898 | -$82 | -8.4% |
| Wisconsin | $678 | -$302 | -30.8% |
| Wyoming | $874 | -$106 | -10.8% |
Opting for high physical damage deductibles can reduce rates by up to $240 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $421 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $962 | $80 |
| Chevrolet HHR LT | $962 | $80 |
| Chevrolet HHR SS | $1,030 | $86 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Chevrolet HHR | $190 | $258 | $478 | $1,084 |
| 2010 Chevrolet HHR | $176 | $236 | $474 | $1,044 |
| 2009 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2008 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2007 Chevrolet HHR | $158 | $188 | $460 | $964 |
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 Chevrolet HHR insurance consists of having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop at least once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a quick review of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,120 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $225 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $330 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,962 |
| 20 | $2,234 |
| 30 | $996 |
| 40 | $980 |
| 50 | $900 |
| 60 | $882 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,130 |
| $250 | $1,062 |
| $500 | $980 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $980 |
| 50/100 | $1,124 |
| 100/300 | $1,241 |
| 250/500 | $1,545 |
| 100 CSL | $1,170 |
| 300 CSL | $1,428 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,570 |
| 20 | $3,558 |
| 30 | $2,118 |
| 40 | $2,104 |
| 50 | $2,012 |
| 60 | $1,990 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $381 |
Discounts are estimated and may not be available from every company or in every state.
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