Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Hummer H3 are $960 a year with full coverage. Comprehensive insurance costs approximately $162, collision insurance costs $188, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,056 or more. 16-year-old drivers pay the highest rates at up to $3,866 a year.
Average premium for full coverage: $960
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all H3 models.
Price Range from Low to High
For a driver around age 40, Hummer H3 insurance prices range from the low end price of $504 for just liability coverage to the much higher price of $2,056 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above demonstrate why everyone should get quotes using their specific location, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below details average Hummer H3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save $78 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $960
- Buying pricier low deductibles for comp and collision coverage will cost an additional $152 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,056
- The price that insures a 16-year-old driver for full coverage can cost $3,866 each year
Insurance prices for a Hummer H3 are also quite variable based on the model of your H3, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 additional each year, depending on your age. Hummer H3 insurance for high-risk drivers ranges from 41% to 128% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Hummer H3 insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $230 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
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 Find Affordable Hummer H3 Insurance
Getting lower rates on insurance for a Hummer H3 takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The next list is a brief review of the data that was covered above.
- You may be able to save around $110 per year just by quoting online well ahead of the renewal date
- Insureds who purchase increased levels of liability coverage will pay around $500 every year to raise limits from a low limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing up to $322 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,100 more per year to buy Hummer H3 insurance
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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