Hummer H3 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 4, 2023
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Estimated insurance prices for a Hummer H3 are $932 every 12 months with full coverage. Comprehensive insurance costs approximately $148 each year, collision costs $180, and liability costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing $2,002 or more. 16-year-old drivers pay the most at $3,790 a year or more.
Average premium for full coverage: $932
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and H3 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Hummer H3 go from the cheapest price of $500 for just liability insurance to a high rate of $2,002 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences demonstrate why all drivers should compare prices using their specific location and their own driving history, instead of using rate 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.
More Rate Details
The chart below details estimated Hummer H3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $573
- Using higher $1,000 deductibles will save $74 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $932
- Buying low deductibles for physical damage coverage costs an extra $142 every year
- Drivers with multiple tickets or accidents could pay around $2,002 or more
- An auto insurance policy to insure a teen driver can cost $3,790 or more
Insurance prices for a Hummer H3 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your H3.
Opting for high physical damage deductibles could cut prices by as much as $220 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Hummer H3 insurance prices. A driver around age 40 might see prices as low as $670 a year in states like Utah, Ohio, and New Hampshire, or at least $1,260 on average in New York, Michigan, 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 such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially different.
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 Shop for Affordable Hummer H3 Insurance
Finding better rates on car insurance requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following items are a brief review of the data that was covered in the above illustrations.
- You may be able to save around $100 per year simply by quoting online in advance
- Policyholders who purchase additional liability coverage will pay around $490 every year to increase from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $316 per month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,070 more per year than a driver with a clean driving record
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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