Chevrolet HHR Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The average insurance rates for a Chevrolet HHR are $964 a year for full coverage. Comprehensive insurance costs an estimated $158, collision insurance costs $188, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,068 or more. Teen drivers cost the most to insure at up to $3,900 a year.

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Comprehensive $158
Collision $188
Liability $460

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different HHR trim levels.

Price Range Variability

For an average driver, Chevrolet HHR insurance rates range from the low end price of $510 for a discount liability-only rate to a much higher rate of $2,068 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

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

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using 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.

Rates by State, City, and Model

The chart below shows average Chevrolet HHR insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $591
  • Raising to $1,000 deductibles will save approximately $80 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $964
  • Choosing more expensive low deductibles will cost an additional $150 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,068
  • Policy cost that insures a teenage driver with full coverage can cost as much as $3,900

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

Insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,100 to $1,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 41% to 127% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Your home state also has a big influence on Chevrolet HHR insurance rates. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, 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

Choosing high deductibles can reduce rates by up to $230 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. 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 Cheap Chevrolet HHR Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief summary of the information covered in the above illustrations.

  • Drivers can save approximately $110 per year just by shopping early and online
  • Teenage drivers are expensive to insure, costing up to $325 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles can save approximately $225 each year
  • Drivers that tend to have accidents or serious violations may pay on average $1,100 more annually for auto insurance
  • Consumers who want higher levels of liability will pay about $510 each year to raise from a 30/60 limit to the 250/500 level

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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