Hummer H3 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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The average auto insurance rates for a Hummer H3 are $914 annually for full coverage. Comprehensive costs around $144, collision insurance costs $170, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $1,958. Teenage drivers cost the most to insure at up to $3,726 a year.
Average premium for full coverage: $914
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different H3 trim levels.
Price Range Variability
For the average driver, Hummer H3 insurance rates range from as cheap as $496 for basic liability insurance to a much higher rate of $1,958 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code 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.
Rate Comparisons
The chart below shows average Hummer H3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $565
- Raising to $1,000 deductibles will save about $74 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $914
- Using more expensive low deductibles will cost $1,048
- At-risk drivers who are prone to accidents and violations could pay at least $1,958
- Policy cost with full coverage for a teen driver with full coverage can be $3,726
Car insurance rates for a Hummer H3 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $210 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Hummer H3 insurance prices. 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $828 | -$86 | -9.4% |
| Alaska | $702 | -$212 | -23.2% |
| Arizona | $760 | -$154 | -16.8% |
| Arkansas | $914 | -$0 | 0.0% |
| California | $1,042 | $128 | 14.0% |
| Colorado | $872 | -$42 | -4.6% |
| Connecticut | $942 | $28 | 3.1% |
| Delaware | $1,034 | $120 | 13.1% |
| Florida | $1,144 | $230 | 25.2% |
| Georgia | $844 | -$70 | -7.7% |
| Hawaii | $656 | -$258 | -28.2% |
| Idaho | $620 | -$294 | -32.2% |
| Illinois | $680 | -$234 | -25.6% |
| Indiana | $688 | -$226 | -24.7% |
| Iowa | $616 | -$298 | -32.6% |
| Kansas | $870 | -$44 | -4.8% |
| Kentucky | $1,248 | $334 | 36.5% |
| Louisiana | $1,354 | $440 | 48.1% |
| Maine | $564 | -$350 | -38.3% |
| Maryland | $754 | -$160 | -17.5% |
| Massachusetts | $732 | -$182 | -19.9% |
| Michigan | $1,590 | $676 | 74.0% |
| Minnesota | $764 | -$150 | -16.4% |
| Mississippi | $1,096 | $182 | 19.9% |
| Missouri | $812 | -$102 | -11.2% |
| Montana | $984 | $70 | 7.7% |
| Nebraska | $720 | -$194 | -21.2% |
| Nevada | $1,096 | $182 | 19.9% |
| New Hampshire | $658 | -$256 | -28.0% |
| New Jersey | $1,022 | $108 | 11.8% |
| New Mexico | $808 | -$106 | -11.6% |
| New York | $964 | $50 | 5.5% |
| North Carolina | $526 | -$388 | -42.5% |
| North Dakota | $750 | -$164 | -17.9% |
| Ohio | $632 | -$282 | -30.9% |
| Oklahoma | $940 | $26 | 2.8% |
| Oregon | $838 | -$76 | -8.3% |
| Pennsylvania | $872 | -$42 | -4.6% |
| Rhode Island | $1,222 | $308 | 33.7% |
| South Carolina | $828 | -$86 | -9.4% |
| South Dakota | $772 | -$142 | -15.5% |
| Tennessee | $804 | -$110 | -12.0% |
| Texas | $1,102 | $188 | 20.6% |
| Utah | $678 | -$236 | -25.8% |
| Vermont | $626 | -$288 | -31.5% |
| Virginia | $548 | -$366 | -40.0% |
| Washington | $708 | -$206 | -22.5% |
| West Virginia | $838 | -$76 | -8.3% |
| Wisconsin | $634 | -$280 | -30.6% |
| Wyoming | $816 | -$98 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $900 | $75 |
| Hummer H3 4WD | $900 | $75 |
| Hummer H3 Luxury Package 4WD | $914 | $76 |
| Hummer H3 Alpha 4WD | $930 | $78 |
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 | $166 | $198 | $460 | $982 |
| 2008 Hummer H3 | $162 | $188 | $452 | $960 |
| 2006 Hummer H3 | $144 | $170 | $442 | $914 |
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
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a summary of the data that was touched on above.
- Drivers can save up to $100 per year just by shopping early and online
- Policyholders who may need increased liability limits will pay an extra $490 each year to raise from a 30/60 limit to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, costing up to $311 each month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,040 more every year to insure a Hummer H3
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,726 |
| 20 | $2,086 |
| 30 | $928 |
| 40 | $914 |
| 50 | $840 |
| 60 | $822 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,048 |
| $250 | $988 |
| $500 | $914 |
| $1,000 | $840 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $914 |
| 50/100 | $1,018 |
| 100/300 | $1,129 |
| 250/500 | $1,416 |
| 100 CSL | $1,063 |
| 300 CSL | $1,306 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,228 |
| 20 | $3,318 |
| 30 | $1,970 |
| 40 | $1,958 |
| 50 | $1,874 |
| 60 | $1,854 |
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 | $45 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $349 |
Discounts are estimated and may not be available from every company or in every state.
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