Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Chevrolet HHR are $964 a year with full coverage. Comprehensive insurance costs on average $158, collision insurance costs $188, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,068 or more. 16-year-old drivers receive the highest rates at up to $3,900 a year.
Average premium for full coverage: $964
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different HHR trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $510 for just liability coverage to a much higher rate of $2,068 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes based on a specific location, instead of 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.
Detailed Rate Analysis
The chart below details average Chevrolet HHR insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save around $80 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $964
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $150 every year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,068
- The cost that insures a teen driver with full coverage may cost $3,900 each year
Insurance rates for a Chevrolet HHR can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges as much as 41% to 127% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Chevrolet HHR insurance prices. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,300 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $230 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per 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 | $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
Saving money on car insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Comparison shop at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $110 per year just by shopping early and online
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,100 more each year than a safer driver
- Increasing deductibles can save approximately $225 each year
- Drivers age 16 to 20 pay the highest rates, with premiums as much as $325 per month if full coverage is included
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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