Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Hummer H3 are $932 a year with full coverage. Comprehensive costs an estimated $148 a year, collision costs $180, and liability is estimated at $446. Buying just liability costs approximately $500 a year, with insurance for high-risk drivers costing around $2,002. Teens receive the highest rates at $3,790 a year or more.
Average premium for full coverage: $932
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and H3 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $500 for just liability coverage to a high of $2,002 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
These examples demonstrate why it is important to get quotes for a targeted area, 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.
Detailed Rate Analysis
The chart below details estimated Hummer H3 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $573
- Choosing higher $1,000 deductibles can save approximately $858 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $932
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,074
- Higher-risk drivers with serious driving violations could pay up to $2,002 or more
- The cost that insures a 16-year-old driver can cost as much as $3,790 each year
Auto insurance rates for a Hummer H3 can also vary considerably based on the trim level of your H3, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 131% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $3,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Hummer H3 insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Utah, Ohio, and New Hampshire, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly 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 Find Affordable Hummer H3 Insurance
Saving money on insurance for a Hummer H3 takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the concepts that were presented in the illustrations above.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,070 more annually to buy Hummer H3 insurance
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $316 per month if the policy includes full coverage
- You may be able to save approximately $100 per year simply by quoting early and online
- Increasing deductibles can save approximately $225 each year
- You may be able to save approximately $100 per year simply by quoting early and online
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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