Chevrolet HHR Insurance Rates

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

Average premium for full coverage: $964

Policy rates by type of insurance:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and HHR models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

• The best discount rate is $591
• Drivers who choose higher $1,000 deductibles will pay $80 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $964
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,114
• High risk drivers who are prone to accidents and violations could pay around $2,068 or more
• Policy cost for full coverage for a teen driver can cost $3,900 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state makes a big difference in Chevrolet HHR insurance rates. A 40-year-old driver could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $230 each year, whereas increasing liability limits will push rates upward. Switching 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 are probably paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 the Best Chevrolet HHR Insurance

Finding cheaper rates on Chevrolet HHR insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the data that was touched on in the above illustrations.

• It is possible to save around $110 per year simply by quoting online in advance
• Drivers who purchase higher levels of liability will pay an extra $510 annually to go from a 30/60 limit to 250/500 limits
• Teenage drivers are the costliest to insure, possibly costing $325 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,100 more per year for auto insurance