Chevrolet HHR Insurance Rates

U.S. average auto insurance rates for a Chevrolet HHR are $964 annually including full coverage. Comprehensive insurance costs around $158, collision costs $188, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $2,068 or more. Teenage drivers pay the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different HHR trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

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

• The best discount rate is $591
• Choosing higher $1,000 deductibles can save about $80 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $964
• Using more expensive low deductibles for comp and collision coverage costs an additional $150 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,068 or more
• The price with full coverage for a teen driver with full coverage can be $3,900 each year

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $230 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheap Chevrolet HHR Insurance

Getting lower rates on Chevrolet HHR insurance takes being a good driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the concepts that were covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,100 more every year than a safer driver
• Drivers age 16 to 20 pay higher prices, possibly costing $325 a month including comprehensive and collision insurance
• You may be able to save up to $110 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $225 each year
• You may be able to save up to $110 per year simply by shopping early and online