Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated insurance rates for a Chevrolet HHR are $964 a year including full coverage. Comprehensive insurance costs around $158 a year, collision costs $188, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,068 or more. Teen drivers pay the most at $3,900 a year or more.

Average premium for full coverage: $964

Premium estimates for type of coverage:

Comprehensive $158
Collision $188
Liability $460

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and HHR trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Chevrolet HHR go from as low as $510 for your basic liability-only policy to a high of $2,068 for a high-risk insurance policy.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

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

These rate differences highlight why it is important to compare rates quotes for a specific zip code and risk profile, 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.

More Rate Information

The chart below breaks down estimated Chevrolet HHR insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $591
  • Raising to $1,000 deductibles will save about $884 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $964
  • Choosing low $100 deductibles will cost an extra $150 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,068 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can be $3,900

View Chart as Image

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

Insurance prices for a Chevrolet HHR also have a wide range based on your driving characteristics, the model of your HHR, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find 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.

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

Choosing high deductibles can reduce prices by up to $230 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 127% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 Low Cost Chevrolet HHR Insurance

Finding better rates on insurance for a Chevrolet HHR consists of avoiding accidents and violations, maintaining good credit, refrain from filing small claims, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the car insurance concepts touched on above.

  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,100 more every year for car insurance
  • You may be able to save up to $110 per year simply by quoting early and online
  • Increasing policy deductibles can save around $225 each year
  • Insureds who may need higher liability limits will pay about $510 per year to raise from 30/60 bodily injury limits to 250/500 limits

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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