Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Hummer H3 are $960 every 12 months with full coverage. Comprehensive costs around $162, collision insurance costs $188, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $2,056. Teens pay the highest rates at up to $3,866 a year.
Average premium for full coverage: $960
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different H3 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Hummer H3 insurance prices range from the cheapest price of $504 for minimum levels of liability insurance to a much higher rate of $2,056 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below details average Hummer H3 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $591
- Drivers who choose higher $1,000 deductibles will pay about $78 annually
- The average price for the average middle-age driver using $500 deductibles is $960
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,112
- Drivers with serious driving violations could pay at least $2,056
- The price to insure a 16-year-old driver with full coverage can be $3,866 a year
Insurance prices for a Hummer H3 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $230 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $3,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost from 41% to 128% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Hummer H3 insurance prices. A 40-year-old driver could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $868 | -$92 | -9.6% |
| Alaska | $736 | -$224 | -23.3% |
| Arizona | $796 | -$164 | -17.1% |
| Arkansas | $960 | -$0 | 0.0% |
| California | $1,096 | $136 | 14.2% |
| Colorado | $916 | -$44 | -4.6% |
| Connecticut | $988 | $28 | 2.9% |
| Delaware | $1,088 | $128 | 13.3% |
| Florida | $1,202 | $242 | 25.2% |
| Georgia | $886 | -$74 | -7.7% |
| Hawaii | $690 | -$270 | -28.1% |
| Idaho | $650 | -$310 | -32.3% |
| Illinois | $714 | -$246 | -25.6% |
| Indiana | $722 | -$238 | -24.8% |
| Iowa | $648 | -$312 | -32.5% |
| Kansas | $914 | -$46 | -4.8% |
| Kentucky | $1,312 | $352 | 36.7% |
| Louisiana | $1,422 | $462 | 48.1% |
| Maine | $592 | -$368 | -38.3% |
| Maryland | $792 | -$168 | -17.5% |
| Massachusetts | $768 | -$192 | -20.0% |
| Michigan | $1,670 | $710 | 74.0% |
| Minnesota | $804 | -$156 | -16.3% |
| Mississippi | $1,150 | $190 | 19.8% |
| Missouri | $852 | -$108 | -11.3% |
| Montana | $1,030 | $70 | 7.3% |
| Nebraska | $758 | -$202 | -21.0% |
| Nevada | $1,152 | $192 | 20.0% |
| New Hampshire | $692 | -$268 | -27.9% |
| New Jersey | $1,074 | $114 | 11.9% |
| New Mexico | $852 | -$108 | -11.3% |
| New York | $1,010 | $50 | 5.2% |
| North Carolina | $554 | -$406 | -42.3% |
| North Dakota | $786 | -$174 | -18.1% |
| Ohio | $664 | -$296 | -30.8% |
| Oklahoma | $986 | $26 | 2.7% |
| Oregon | $878 | -$82 | -8.5% |
| Pennsylvania | $916 | -$44 | -4.6% |
| Rhode Island | $1,282 | $322 | 33.5% |
| South Carolina | $870 | -$90 | -9.4% |
| South Dakota | $810 | -$150 | -15.6% |
| Tennessee | $842 | -$118 | -12.3% |
| Texas | $1,160 | $200 | 20.8% |
| Utah | $712 | -$248 | -25.8% |
| Vermont | $658 | -$302 | -31.5% |
| Virginia | $576 | -$384 | -40.0% |
| Washington | $744 | -$216 | -22.5% |
| West Virginia | $880 | -$80 | -8.3% |
| Wisconsin | $664 | -$296 | -30.8% |
| Wyoming | $856 | -$104 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $944 | $79 |
| Hummer H3 4WD | $944 | $79 |
| Hummer H3 Luxury Package 4WD | $960 | $80 |
| Hummer H3 Alpha 4WD | $976 | $81 |
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 | $174 | $226 | $474 | $1,032 |
| 2008 Hummer H3 | $168 | $202 | $468 | $996 |
| 2006 Hummer H3 | $162 | $188 | $452 | $960 |
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
Getting lower rates on insurance for a Hummer H3 not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a brief review of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,100 more every year than a safer driver
- Drivers age 16 to 20 pay higher prices, costing up to $322 a month if they have full coverage
- You may be able to save up to $110 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $225 each year
- You may be able to save up to $110 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,866 |
| 20 | $2,184 |
| 30 | $976 |
| 40 | $960 |
| 50 | $882 |
| 60 | $862 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,112 |
| $250 | $1,044 |
| $500 | $960 |
| $1,000 | $882 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $960 |
| 50/100 | $1,066 |
| 100/300 | $1,179 |
| 250/500 | $1,473 |
| 100 CSL | $1,112 |
| 300 CSL | $1,360 |
| 500 CSL | $1,541 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,436 |
| 20 | $3,476 |
| 30 | $2,070 |
| 40 | $2,056 |
| 50 | $1,966 |
| 60 | $1,946 |
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 | $48 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $33 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $369 |
Discounts are estimated and may not be available from every company or in every state.
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