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...

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UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Chevrolet HHR are $1,044 annually including full coverage. Comprehensive insurance costs an estimated $176, collision insurance costs $236, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,246 or more. Teenage drivers pay the most at up to $4,174 a year.

Average premium for full coverage: $1,044

Premium estimates broken down by type of coverage:

Comprehensive $176
Collision $236
Liability $474

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all HHR models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Chevrolet HHR range from as cheap as $522 for just liability coverage to the much higher price of $2,246 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,044
High Risk $2,246

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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.

Detailed Rate Analysis

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

  • The best discount rate is $632
  • Raising to $1,000 deductibles will save approximately $94 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,044
  • Using pricier low deductibles costs an additional $178 every year
  • At-risk drivers who are prone to accidents and violations could pay up to $2,246
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $4,174

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance prices range from $632 to $4,174 for full coverage

Insurance prices for a Chevrolet HHR also have a wide range based on the model of your HHR, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,200 to $1,800 additional annually, depending on your age. Chevrolet HHR insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $280 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find prices as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,490 on average in Louisiana, New York, and Michigan.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,190 $146 14.0%
Colorado $996 -$48 -4.6%
Connecticut $1,074 $30 2.9%
Delaware $1,182 $138 13.2%
Florida $1,306 $262 25.1%
Georgia $964 -$80 -7.7%
Hawaii $750 -$294 -28.2%
Idaho $706 -$338 -32.4%
Illinois $778 -$266 -25.5%
Indiana $786 -$258 -24.7%
Iowa $706 -$338 -32.4%
Kansas $994 -$50 -4.8%
Kentucky $1,426 $382 36.6%
Louisiana $1,544 $500 47.9%
Maine $646 -$398 -38.1%
Maryland $860 -$184 -17.6%
Massachusetts $836 -$208 -19.9%
Michigan $1,814 $770 73.8%
Minnesota $874 -$170 -16.3%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,122 $78 7.5%
Nebraska $824 -$220 -21.1%
Nevada $1,252 $208 19.9%
New Hampshire $752 -$292 -28.0%
New Jersey $1,168 $124 11.9%
New Mexico $924 -$120 -11.5%
New York $1,100 $56 5.4%
North Carolina $602 -$442 -42.3%
North Dakota $854 -$190 -18.2%
Ohio $720 -$324 -31.0%
Oklahoma $1,074 $30 2.9%
Oregon $956 -$88 -8.4%
Pennsylvania $996 -$48 -4.6%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $914 -$130 -12.5%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $716 -$328 -31.4%
Virginia $626 -$418 -40.0%
Washington $808 -$236 -22.6%
West Virginia $956 -$88 -8.4%
Wisconsin $724 -$320 -30.7%
Wyoming $932 -$112 -10.7%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

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 $1,024 $85
Chevrolet HHR LT $1,024 $85
Chevrolet HHR SS $1,104 $92

Rates assume 2010 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 $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 Low Cost Chevrolet HHR Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a review of the ideas that were covered in the charts and tables above.

  • Teenage drivers are expensive to insure, with the cost nearing $348 per month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,200 more annually for auto insurance
  • Increasing policy deductibles could save up to $275 each year
  • You may be able to save approximately $120 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $4,174
20 $2,384
30 $1,064
40 $1,044
50 $958
60 $938

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,222
$250 $1,142
$500 $1,044
$1,000 $950

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,199
100/300 $1,317
250/500 $1,625
100 CSL $1,246
300 CSL $1,507
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,886
20 $3,804
30 $2,266
40 $2,246
50 $2,148
60 $2,124

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 $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $66
Paid in Full/EFT $38
Advance Quote $46
Online Quote $71
Total Discounts $412
Rate after discounts $632

Discounts are estimated and may not be available from every company or in every state.

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