Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Chevrolet HHR are $964 a year including full coverage. Comprehensive insurance costs on average $158, collision costs $188, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,068 or more. Teen drivers pay the highest rates at $3,900 a year or more.
Average premium for full coverage: $964
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all HHR models.
Price Range from Low to High
For a driver in their 40's, Chevrolet HHR insurance prices go from the low end price of $510 for the bare minimum liability coverage to the much higher price of $2,068 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how location helps determine car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location, instead of making a decision based on 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 Rate Information
The chart below breaks down estimated Chevrolet HHR insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $591
- Using higher $1,000 deductibles will save around $80 every year
- The estimated price for the average middle-age driver with $500 deductibles is $964
- Choosing pricier low deductibles for physical damage coverage will cost an additional $150 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,068 or more
- The price that insures a 16-year-old driver for full coverage may cost $3,900 or more
Insurance prices for a Chevrolet HHR are also quite variable based on the model of your HHR, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 additional each year, depending on your age. Chevrolet HHR insurance for high-risk drivers can be from 41% to 127% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age
The state you live in has a huge impact on Chevrolet HHR insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,380 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles could cut prices by as much as $230 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Getting lower rates on insurance for a Chevrolet HHR requires having a good driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,100 more each year to buy Chevrolet HHR insurance
- You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $225 each year
- Insureds who require increased levels of liability coverage will pay about $510 per year to increase from a low limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,046 |
| $500 | $964 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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