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 for full coverage insurance. Comprehensive insurance costs approximately $158, collision insurance costs $188, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,068 or more. Teenage drivers receive the highest rates at up to $3,900 a year.

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Comprehensive $158
Collision $188
Liability $460

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all HHR models.

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 minimum levels of liability insurance to the much higher price of $2,068 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $964
High Risk $2,068

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

These examples illustrate why everyone should compare rates using their specific location, rather than relying on average rates.

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 Details

The chart below illustrates average 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 estimated price for a 40-year-old driver who chooses $500 deductibles is $964
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $150 a year
  • High risk drivers who are prone to accidents and violations could pay around $2,068
  • The cost that insures a teen driver for full coverage can cost $3,900 a year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance prices range from $591 to $3,900 for full coverage

Car insurance rates for a Chevrolet HHR can also vary considerably based on the model of your HHR, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Chevrolet HHR insurance for high-risk drivers can cost anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

Where you live 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.

Chevrolet HHR Insurance Rates by State
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%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Using high physical damage deductibles could save up to $230 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
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.

Chevrolet HHR Insurance Rates by Model Year
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 Cheaper Chevrolet HHR Insurance

Saving money on Chevrolet HHR insurance not only requires being a safe and courteous driver, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a condensed summary of the concepts that were touched on in the above illustrations.

  • High-risk drivers with multiple at-fault accidents could be charged and average of $1,100 more per year for auto insurance
  • Teenage drivers pay the highest auto insurance rates, costing up to $325 per month if full coverage is purchased
  • It is possible to save around $110 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $225 each year
  • It is possible to save around $110 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Chevrolet HHR Insurance 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

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,046
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
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

Chevrolet HHR Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $591

Discounts are estimated and may not be available from every company or in every state.

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