Hummer H3 Insurance Rates

The average insurance rates for a Hummer H3 are $914 a year for full coverage. Comprehensive costs on average $144 a year, collision costs $170, and liability insurance is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $1,958. Teenage drivers cost the most to insure at $3,726 a year or more.

Average premium for full coverage: $914

Policy rates by type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and H3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Hummer H3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $565
• Raising to $1,000 deductibles will save around $840 a year
• The estimated price for a good driver age 40 with $500 deductibles is $914
• Using low $100 deductibles bumps up the cost to $1,048
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,958 or more
• Policy cost that insures a teen driver may cost $3,726

View Chart as Image

Car insurance rates for a Hummer H3 also range considerably based on the trim level of your H3, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age

Your home state also has a big influence on Hummer H3 insurance rates. A middle-age driver might find rates as low as $600 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,310 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $210 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Hummer H3 Insurance

Finding cheaper rates on Hummer H3 insurance consists of not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a brief summary of the information covered in the above illustrations.

• Drivers can save as much as $100 per year simply by quoting early and online
• Teens are expensive to insure, costing up to $311 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,040 more each year for H3 insurance
• Drivers who require higher liability limits will pay an extra $490 each year to raise from a 30/60 limit to the 250/500 level