Chevrolet HHR Insurance Rates

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Cheapest 2010 Chevrolet HHR Insurance Rates in 2025

Having to pay for overpriced Chevrolet HHR insurance can overdraw your bank account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Because you have many options when it comes to insurance, it's difficult to locate the best car insurance company. Consumers need to do rate comparisons every six ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 for full coverage insurance. Comprehensive costs approximately $158 each year, collision insurance costs $188, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $2,068. 16-year-old drivers pay the highest rates at up to $3,900 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Comprehensive $158
Collision $188
Liability $460

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and HHR models.

Price Range from Low to High

For the average driver, Chevrolet HHR insurance prices range from as low as $510 for a discount liability-only rate to a high rate of $2,068 for a driver that may need high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

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

The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, instead of making a decision based 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $591
  • Choosing higher $1,000 deductibles can save $80 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $964
  • Buying low deductibles for comp and collision coverage will increase the cost to $1,114
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,068
  • The price for full coverage for a 16-year-old driver can cost $3,900 each year

View Chart as Image

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

Insurance prices for a Chevrolet HHR are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet HHR insurance prices. A good driver about age 40 could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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

Opting for high physical damage deductibles can save as much as $230 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers ranges from 41% to 127% more than the average rate. View High Risk Driver Rates

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 More Affordable Chevrolet HHR Insurance

Getting lower rates on insurance for a Chevrolet HHR takes being a low-risk driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a summary of the data that was touched on above.

  • It is possible to save around $110 per year just by quoting online in advance
  • Insureds who purchase more liability coverage will pay around $510 annually to raise limits from a low limit to 250/500 limits
  • Teen drivers are the costliest to insure, as much as $325 a month including comprehensive and collision insurance
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,100 more per year to insure their HHR

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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