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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The average auto insurance rates for a Chevrolet HHR are $964 annually including full coverage. Comprehensive costs approximately $158 each year, collision costs $188, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,068. Teen drivers cost the most to insure at $3,900 a year or more.

Average premium for full coverage: $964

Policy rates by type of insurance:

Comprehensive $158
Collision $188
Liability $460

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HHR models.

Price Range Variability

For the average driver, Chevrolet HHR insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,068 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

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

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, 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.

Additional Rate Analysis

The chart below breaks down estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $591
  • Using higher $1,000 deductibles will save $80 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $964
  • Choosing low deductibles for physical damage coverage will cost $1,114
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,068 or more
  • Policy cost with full coverage for a 16-year-old driver can cost $3,900 or more

View Chart as Image

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

Insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $230 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Chevrolet HHR insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, 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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Low Cost Chevrolet HHR Insurance

Finding cheaper rates on insurance for a Chevrolet HHR requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the data touched on above.

  • Insureds who purchase more liability coverage will pay about $510 per year to increase from a 30/60 limit to higher 250/500 limits
  • You may be able to save around $110 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $225 each year
  • Teen drivers are expensive to insure, with premiums being up to $325 each month including comprehensive and collision insurance

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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