Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Chevrolet HHR are $980 annually for full coverage insurance. Comprehensive insurance costs approximately $162, collision costs $192, and liability coverage costs around $468. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing $2,104 or more. Teen drivers receive the highest rates at $3,962 a year or more.
Average premium for full coverage: $980
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all HHR models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $518 for just the minimum liability insurance to the much higher price of $2,104 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why everyone should compare prices using their specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below illustrates estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $599
- Using higher $1,000 deductibles will save $82 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $980
- Choosing pricier low deductibles for physical damage coverage costs an additional $150 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,104 or more
- The cost with full coverage for a teenage driver for full coverage can cost $3,962 or more
Car insurance rates for a Chevrolet HHR can also vary considerably based on the trim level of your HHR, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Chevrolet HHR insurance for high-risk drivers can be around 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $240 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see rates as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,330 on average in Florida, New York, and Michigan.
| 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 who has the best car insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
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 Buy the Best Cheap Chevrolet HHR Insurance
Saving money on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following list is a quick review of the data that was raised in the charts and tables above.
- It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
- Consumers who purchase an increased level of liability coverage will pay about $520 annually to increase from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $330 per month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,120 more per year than a safer driver
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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