Chevrolet HHR Insurance Rates
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UPDATED: May 12, 2022
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The average auto insurance rates for a Chevrolet HHR are $1,084 annually with full coverage. Comprehensive costs approximately $190, collision insurance costs $258, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,330. Teens cost the most to insure at up to $4,300 a year.
Average premium for full coverage: $1,084
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all HHR models.
Price Range Variability
For the average 40-year-old driver, Chevrolet HHR insurance rates range from as cheap as $526 for just liability coverage to the much higher price of $2,330 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.
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 details average Chevrolet HHR insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $652
- Raising to $1,000 deductibles will save $104 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,084
- Selecting pricier low deductibles will cost $1,276
- At-risk drivers with serious driving violations could pay around $2,330
- Policy cost with full coverage for a teen driver for full coverage can cost $4,300
Auto insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. Chevrolet HHR insurance for high-risk drivers is expensive and can cost as much as 42% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,460 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $980 | -$104 | -9.6% |
| Alaska | $832 | -$252 | -23.2% |
| Arizona | $900 | -$184 | -17.0% |
| Arkansas | $1,084 | -$0 | 0.0% |
| California | $1,234 | $150 | 13.8% |
| Colorado | $1,036 | -$48 | -4.4% |
| Connecticut | $1,112 | $28 | 2.6% |
| Delaware | $1,226 | $142 | 13.1% |
| Florida | $1,356 | $272 | 25.1% |
| Georgia | $1,000 | -$84 | -7.7% |
| Hawaii | $776 | -$308 | -28.4% |
| Idaho | $732 | -$352 | -32.5% |
| Illinois | $808 | -$276 | -25.5% |
| Indiana | $816 | -$268 | -24.7% |
| Iowa | $730 | -$354 | -32.7% |
| Kansas | $1,030 | -$54 | -5.0% |
| Kentucky | $1,478 | $394 | 36.3% |
| Louisiana | $1,602 | $518 | 47.8% |
| Maine | $668 | -$416 | -38.4% |
| Maryland | $892 | -$192 | -17.7% |
| Massachusetts | $868 | -$216 | -19.9% |
| Michigan | $1,884 | $800 | 73.8% |
| Minnesota | $906 | -$178 | -16.4% |
| Mississippi | $1,298 | $214 | 19.7% |
| Missouri | $960 | -$124 | -11.4% |
| Montana | $1,164 | $80 | 7.4% |
| Nebraska | $854 | -$230 | -21.2% |
| Nevada | $1,298 | $214 | 19.7% |
| New Hampshire | $780 | -$304 | -28.0% |
| New Jersey | $1,212 | $128 | 11.8% |
| New Mexico | $958 | -$126 | -11.6% |
| New York | $1,140 | $56 | 5.2% |
| North Carolina | $624 | -$460 | -42.4% |
| North Dakota | $886 | -$198 | -18.3% |
| Ohio | $748 | -$336 | -31.0% |
| Oklahoma | $1,112 | $28 | 2.6% |
| Oregon | $992 | -$92 | -8.5% |
| Pennsylvania | $1,034 | -$50 | -4.6% |
| Rhode Island | $1,446 | $362 | 33.4% |
| South Carolina | $982 | -$102 | -9.4% |
| South Dakota | $914 | -$170 | -15.7% |
| Tennessee | $950 | -$134 | -12.4% |
| Texas | $1,306 | $222 | 20.5% |
| Utah | $802 | -$282 | -26.0% |
| Vermont | $742 | -$342 | -31.5% |
| Virginia | $648 | -$436 | -40.2% |
| Washington | $836 | -$248 | -22.9% |
| West Virginia | $992 | -$92 | -8.5% |
| Wisconsin | $750 | -$334 | -30.8% |
| Wyoming | $966 | -$118 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $1,062 | $89 |
| Chevrolet HHR LT | $1,062 | $89 |
| Chevrolet HHR SS | $1,148 | $96 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Chevrolet HHR | $194 | $284 | $474 | $1,110 |
| 2010 Chevrolet HHR | $190 | $258 | $478 | $1,084 |
| 2009 Chevrolet HHR | $176 | $236 | $474 | $1,044 |
| 2008 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2007 Chevrolet HHR | $162 | $192 | $468 | $980 |
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 Right Chevrolet HHR Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick rundown of the car insurance concepts touched on in this article.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,250 more per year than a driver with a clean driving record
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Policyholders who purchase additional liability coverage will pay approximately $530 every year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,300 |
| 20 | $2,472 |
| 30 | $1,106 |
| 40 | $1,084 |
| 50 | $994 |
| 60 | $972 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,276 |
| $250 | $1,190 |
| $500 | $1,084 |
| $1,000 | $980 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,084 |
| 50/100 | $1,244 |
| 100/300 | $1,363 |
| 250/500 | $1,674 |
| 100 CSL | $1,291 |
| 300 CSL | $1,554 |
| 500 CSL | $1,746 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,072 |
| 20 | $3,944 |
| 30 | $2,354 |
| 40 | $2,330 |
| 50 | $2,228 |
| 60 | $2,206 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $41 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $432 |
Discounts are estimated and may not be available from every company or in every state.
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