Hummer H3 Insurance Rates

U.S. average auto insurance rates for a Hummer H3 are $996 annually including full coverage. Comprehensive insurance costs approximately $168 a year, collision costs $202, and liability insurance costs around $468. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $2,140 or more. Teenage drivers pay the highest rates at $4,014 a year or more.

Average premium for full coverage: $996

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and H3 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down estimated Hummer H3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $609
• Using higher $1,000 deductibles will save $912 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $996
• Using low $100 deductibles for physical damage coverage costs an additional $160 a year
• Drivers who are prone to accidents and violations could pay around $2,140 or more
• The price with full coverage for a teen driver can cost $4,014 or more

View Chart as Image

Car insurance prices for a Hummer H3 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $250 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Hummer H3 insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2008 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.

How to Buy the Right Hummer H3 Insurance

Getting lower rates on Hummer H3 insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a quick rundown of the coverage data raised in the charts and tables above.

• You may be able to save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $250 each year
• Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $335 a month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,140 more per year to insure a Hummer H3