Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Chevrolet HHR are $980 every 12 months for full coverage insurance. Comprehensive costs on average $162 each year, collision costs $192, and liability insurance is $468. A liability-only policy costs around $518 a year, with high-risk insurance costing around $2,104. 16-year-old drivers receive the highest rates at $3,962 a year or more.
Average premium for full coverage: $980
Rate estimates by individual coverage type:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and HHR models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $518 for a discount liability-only rate to a high rate of $2,104 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how location impacts car insurance rates.
These examples illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying 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 estimated Chevrolet HHR insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $599
- Raising to $1,000 deductibles will save around $82 each year
- The average price for a 40-year-old driver with $500 deductibles is $980
- Buying low deductibles increases the price to $1,130
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,104 or more
- The cost to insure a teen driver may cost $3,962
Insurance rates for a Chevrolet HHR can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your HHR.
Opting for high physical damage deductibles can reduce rates by up to $240 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $421 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
Where you live 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 Vermont, Wisconsin, and North Carolina, or at least $1,330 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $888 | -$92 | -9.4% |
| Alaska | $754 | -$226 | -23.1% |
| Arizona | $814 | -$166 | -16.9% |
| Arkansas | $980 | -$0 | 0.0% |
| California | $1,116 | $136 | 13.9% |
| Colorado | $938 | -$42 | -4.3% |
| Connecticut | $1,010 | $30 | 3.1% |
| Delaware | $1,110 | $130 | 13.3% |
| Florida | $1,228 | $248 | 25.3% |
| Georgia | $904 | -$76 | -7.8% |
| Hawaii | $704 | -$276 | -28.2% |
| Idaho | $664 | -$316 | -32.2% |
| Illinois | $732 | -$248 | -25.3% |
| Indiana | $738 | -$242 | -24.7% |
| Iowa | $660 | -$320 | -32.7% |
| Kansas | $934 | -$46 | -4.7% |
| Kentucky | $1,338 | $358 | 36.5% |
| Louisiana | $1,450 | $470 | 48.0% |
| Maine | $606 | -$374 | -38.2% |
| Maryland | $806 | -$174 | -17.8% |
| Massachusetts | $784 | -$196 | -20.0% |
| Michigan | $1,704 | $724 | 73.9% |
| Minnesota | $818 | -$162 | -16.5% |
| Mississippi | $1,176 | $196 | 20.0% |
| Missouri | $870 | -$110 | -11.2% |
| Montana | $1,054 | $74 | 7.6% |
| Nebraska | $774 | -$206 | -21.0% |
| Nevada | $1,176 | $196 | 20.0% |
| New Hampshire | $706 | -$274 | -28.0% |
| New Jersey | $1,096 | $116 | 11.8% |
| New Mexico | $868 | -$112 | -11.4% |
| New York | $1,034 | $54 | 5.5% |
| North Carolina | $564 | -$416 | -42.4% |
| North Dakota | $804 | -$176 | -18.0% |
| Ohio | $678 | -$302 | -30.8% |
| Oklahoma | $1,006 | $26 | 2.7% |
| Oregon | $898 | -$82 | -8.4% |
| Pennsylvania | $936 | -$44 | -4.5% |
| Rhode Island | $1,308 | $328 | 33.5% |
| South Carolina | $888 | -$92 | -9.4% |
| South Dakota | $828 | -$152 | -15.5% |
| Tennessee | $860 | -$120 | -12.2% |
| Texas | $1,182 | $202 | 20.6% |
| Utah | $726 | -$254 | -25.9% |
| Vermont | $672 | -$308 | -31.4% |
| Virginia | $588 | -$392 | -40.0% |
| Washington | $758 | -$222 | -22.7% |
| West Virginia | $898 | -$82 | -8.4% |
| Wisconsin | $678 | -$302 | -30.8% |
| Wyoming | $874 | -$106 | -10.8% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $962 | $80 |
| Chevrolet HHR LT | $962 | $80 |
| Chevrolet HHR SS | $1,030 | $86 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Chevrolet HHR | $190 | $258 | $478 | $1,084 |
| 2010 Chevrolet HHR | $176 | $236 | $474 | $1,044 |
| 2009 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2008 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2007 Chevrolet HHR | $158 | $188 | $460 | $964 |
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 Shop for the Cheapest Chevrolet HHR Insurance
Saving money on Chevrolet HHR insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a recap of the ideas that were touched on above.
- Drivers under the age of 20 pay the highest rates, costing up to $330 per month if they have full coverage
- High-risk drivers that have major violations or accidents pay on average $1,120 more each year to insure a Chevrolet HHR
- Increasing deductibles could save as much as $225 each year
- It is possible to save as much as $110 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,962 |
| 20 | $2,234 |
| 30 | $996 |
| 40 | $980 |
| 50 | $900 |
| 60 | $882 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,130 |
| $250 | $1,062 |
| $500 | $980 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $980 |
| 50/100 | $1,124 |
| 100/300 | $1,241 |
| 250/500 | $1,545 |
| 100 CSL | $1,170 |
| 300 CSL | $1,428 |
| 500 CSL | $1,615 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,570 |
| 20 | $3,558 |
| 30 | $2,118 |
| 40 | $2,104 |
| 50 | $2,012 |
| 60 | $1,990 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $66 |
| Total Discounts | $381 |
Discounts are estimated and may not be available from every company or in every state.
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