Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Hummer H3 are $932 annually for full coverage insurance. Comprehensive insurance costs on average $148, collision costs $180, and liability coverage costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing $2,002 or more. Teen drivers receive the highest rates at $3,790 a year or more.
Average premium for full coverage: $932
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different H3 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $500 for a discount liability-only rate to a much higher rate of $2,002 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a 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.
Rates by State, City, and Model
The chart below illustrates estimated Hummer H3 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $573
- Using higher $1,000 deductibles will save around $74 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $932
- Choosing more expensive low deductibles for physical damage coverage costs an additional $142 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,002 or more
- The cost with full coverage for a teenage driver with full coverage may cost $3,790 or more
Auto insurance rates for a Hummer H3 can also vary considerably based on the trim level of your H3, your risk profile, and policy deductibles and limits.
An older driver with a good driving record 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 have to pay upwards of $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can be around 42% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $220 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Hummer H3 insurance rates. A driver around age 40 might see rates as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,260 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $844 | -$88 | -9.4% |
| Alaska | $716 | -$216 | -23.2% |
| Arizona | $776 | -$156 | -16.7% |
| Arkansas | $932 | -$0 | 0.0% |
| California | $1,064 | $132 | 14.2% |
| Colorado | $892 | -$40 | -4.3% |
| Connecticut | $960 | $28 | 3.0% |
| Delaware | $1,058 | $126 | 13.5% |
| Florida | $1,168 | $236 | 25.3% |
| Georgia | $862 | -$70 | -7.5% |
| Hawaii | $668 | -$264 | -28.3% |
| Idaho | $630 | -$302 | -32.4% |
| Illinois | $694 | -$238 | -25.5% |
| Indiana | $702 | -$230 | -24.7% |
| Iowa | $630 | -$302 | -32.4% |
| Kansas | $888 | -$44 | -4.7% |
| Kentucky | $1,272 | $340 | 36.5% |
| Louisiana | $1,382 | $450 | 48.3% |
| Maine | $576 | -$356 | -38.2% |
| Maryland | $768 | -$164 | -17.6% |
| Massachusetts | $748 | -$184 | -19.7% |
| Michigan | $1,622 | $690 | 74.0% |
| Minnesota | $780 | -$152 | -16.3% |
| Mississippi | $1,120 | $188 | 20.2% |
| Missouri | $828 | -$104 | -11.2% |
| Montana | $1,002 | $70 | 7.5% |
| Nebraska | $738 | -$194 | -20.8% |
| Nevada | $1,120 | $188 | 20.2% |
| New Hampshire | $674 | -$258 | -27.7% |
| New Jersey | $1,044 | $112 | 12.0% |
| New Mexico | $828 | -$104 | -11.2% |
| New York | $984 | $52 | 5.6% |
| North Carolina | $540 | -$392 | -42.1% |
| North Dakota | $764 | -$168 | -18.0% |
| Ohio | $644 | -$288 | -30.9% |
| Oklahoma | $958 | $26 | 2.8% |
| Oregon | $854 | -$78 | -8.4% |
| Pennsylvania | $892 | -$40 | -4.3% |
| Rhode Island | $1,246 | $314 | 33.7% |
| South Carolina | $844 | -$88 | -9.4% |
| South Dakota | $788 | -$144 | -15.5% |
| Tennessee | $818 | -$114 | -12.2% |
| Texas | $1,126 | $194 | 20.8% |
| Utah | $690 | -$242 | -26.0% |
| Vermont | $640 | -$292 | -31.3% |
| Virginia | $560 | -$372 | -39.9% |
| Washington | $720 | -$212 | -22.7% |
| West Virginia | $854 | -$78 | -8.4% |
| Wisconsin | $646 | -$286 | -30.7% |
| Wyoming | $832 | -$100 | -10.7% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $916 | $76 |
| Hummer H3 4WD | $916 | $76 |
| Hummer H3 Luxury Package 4WD | $932 | $78 |
| Hummer H3 Alpha 4WD | $948 | $79 |
Rates assume 2006 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 |
|---|---|---|---|---|
| 2009 Hummer H3 | $168 | $202 | $468 | $996 |
| 2008 Hummer H3 | $166 | $198 | $460 | $982 |
| 2006 Hummer H3 | $148 | $180 | $446 | $932 |
Rates are averaged for all Hummer H3 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 More Affordable Hummer H3 Insurance
Saving money on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a summary of the data that was presented in the illustrations above.
- It is possible to save as much as $100 per year simply by shopping early and online
- Consumers who require higher liability limits will pay about $490 annually to increase from a minimum limit to higher 250/500 limits
- Teenagers are charged the highest rates, costing up to $316 per month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,070 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,790 |
| 20 | $2,130 |
| 30 | $948 |
| 40 | $932 |
| 50 | $858 |
| 60 | $838 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,010 |
| $500 | $932 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $932 |
| 50/100 | $1,037 |
| 100/300 | $1,149 |
| 250/500 | $1,439 |
| 100 CSL | $1,082 |
| 300 CSL | $1,327 |
| 500 CSL | $1,506 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,388 |
| 30 | $2,014 |
| 40 | $2,002 |
| 50 | $1,914 |
| 60 | $1,894 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $359 |
Discounts are estimated and may not be available from every company or in every state.
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