Hummer H3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average insurance prices for a Hummer H3 are $932 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $148, collision costs $180, and liability coverage is estimated at $446. Buying just liability costs approximately $500 a year, with insurance for high-risk drivers costing $2,002 or more. Teens receive the highest rates at $3,790 a year or more.
Average premium for full coverage: $932
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different H3 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $500 for minimum levels of liability insurance to a much higher rate of $2,002 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance prices.
These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using 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 illustrates estimated Hummer H3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $573
- Choosing higher $1,000 deductibles can save $74 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $932
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $142 each year
- Drivers with serious driving violations could pay around $2,002 or more
- The cost to insure a teenage driver with full coverage can cost $3,790 each year
Auto insurance rates for a Hummer H3 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your H3.
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance ranges around 42% to 131% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Hummer H3 insurance rates. A good driver about age 40 could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,260 on average in Florida, New York, and Michigan.
| 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 so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. 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 Shop for the Cheapest Hummer H3 Insurance
Saving money on auto insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a recap of the concepts that were touched on in this article.
- Drivers that have major violations or accidents may have to pay on average $1,070 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $316 per month if comprehensive and collision insurance is included
- It is possible to save around $100 per year simply by shopping early and online
- Increasing deductibles could save as much as $225 each year
- It is possible to save around $100 per year simply by shopping 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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