Hummer H3 Insurance Rates
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UPDATED: Aug 24, 2022
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Estimated insurance rates for a Hummer H3 are $1,032 a year with full coverage. Comprehensive costs approximately $174, collision insurance costs $226, and liability costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs around $2,214. 16-year-old drivers pay the most at up to $4,132 a year.
Average premium for full coverage: $1,032
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all H3 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Hummer H3 range from as low as $522 for basic liability insurance to the much higher price of $2,214 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences demonstrate why everyone should compare prices using their specific location and risk profile, instead of using 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.
Rate Comparisons
The chart below details average Hummer H3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $626
- Using higher $1,000 deductibles will save $92 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,032
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,204
- Drivers with multiple tickets or accidents could pay around $2,214
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,132 or more
Car insurance prices for a Hummer H3 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,100 a year. View Rates by Age
Where you choose to live has a huge impact on Hummer H3 insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,390 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$100 | -9.7% |
| Alaska | $788 | -$244 | -23.6% |
| Arizona | $856 | -$176 | -17.1% |
| Arkansas | $1,032 | -$0 | 0.0% |
| California | $1,176 | $144 | 14.0% |
| Colorado | $986 | -$46 | -4.5% |
| Connecticut | $1,060 | $28 | 2.7% |
| Delaware | $1,168 | $136 | 13.2% |
| Florida | $1,290 | $258 | 25.0% |
| Georgia | $950 | -$82 | -7.9% |
| Hawaii | $740 | -$292 | -28.3% |
| Idaho | $696 | -$336 | -32.6% |
| Illinois | $768 | -$264 | -25.6% |
| Indiana | $774 | -$258 | -25.0% |
| Iowa | $694 | -$338 | -32.8% |
| Kansas | $980 | -$52 | -5.0% |
| Kentucky | $1,406 | $374 | 36.2% |
| Louisiana | $1,524 | $492 | 47.7% |
| Maine | $636 | -$396 | -38.4% |
| Maryland | $848 | -$184 | -17.8% |
| Massachusetts | $824 | -$208 | -20.2% |
| Michigan | $1,790 | $758 | 73.4% |
| Minnesota | $860 | -$172 | -16.7% |
| Mississippi | $1,234 | $202 | 19.6% |
| Missouri | $914 | -$118 | -11.4% |
| Montana | $1,106 | $74 | 7.2% |
| Nebraska | $812 | -$220 | -21.3% |
| Nevada | $1,236 | $204 | 19.8% |
| New Hampshire | $740 | -$292 | -28.3% |
| New Jersey | $1,152 | $120 | 11.6% |
| New Mexico | $914 | -$118 | -11.4% |
| New York | $1,086 | $54 | 5.2% |
| North Carolina | $594 | -$438 | -42.4% |
| North Dakota | $844 | -$188 | -18.2% |
| Ohio | $712 | -$320 | -31.0% |
| Oklahoma | $1,060 | $28 | 2.7% |
| Oregon | $942 | -$90 | -8.7% |
| Pennsylvania | $986 | -$46 | -4.5% |
| Rhode Island | $1,372 | $340 | 32.9% |
| South Carolina | $932 | -$100 | -9.7% |
| South Dakota | $870 | -$162 | -15.7% |
| Tennessee | $904 | -$128 | -12.4% |
| Texas | $1,242 | $210 | 20.3% |
| Utah | $762 | -$270 | -26.2% |
| Vermont | $706 | -$326 | -31.6% |
| Virginia | $618 | -$414 | -40.1% |
| Washington | $798 | -$234 | -22.7% |
| West Virginia | $942 | -$90 | -8.7% |
| Wisconsin | $714 | -$318 | -30.8% |
| Wyoming | $918 | -$114 | -11.0% |
Opting for high physical damage deductibles could cut prices by as much as $270 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. Hummer H3 insurance for high-risk drivers can be as much as 41% to 130% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $1,012 | $84 |
| Hummer H3 4WD | $1,012 | $84 |
| Hummer H3 Luxury Package 4WD | $1,032 | $86 |
| Hummer H3 Alpha 4WD | $1,050 | $88 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Hummer H3 | $184 | $248 | $474 | $1,064 |
| 2008 Hummer H3 | $174 | $226 | $474 | $1,032 |
| 2006 Hummer H3 | $166 | $198 | $460 | $982 |
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 Cheap Hummer H3 Insurance
Finding better rates on car insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and attention to physical damage deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief summary of the concepts that were raised in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,180 more per year for auto insurance
- Teenage drivers pay the highest auto insurance prices, possibly costing $344 per month if full coverage is included
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $275 each year
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,132 |
| 20 | $2,352 |
| 30 | $1,050 |
| 40 | $1,032 |
| 50 | $944 |
| 60 | $924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,204 |
| $250 | $1,124 |
| $500 | $1,032 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,032 |
| 50/100 | $1,145 |
| 100/300 | $1,263 |
| 250/500 | $1,571 |
| 100 CSL | $1,192 |
| 300 CSL | $1,453 |
| 500 CSL | $1,643 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,822 |
| 20 | $3,750 |
| 30 | $2,236 |
| 40 | $2,214 |
| 50 | $2,120 |
| 60 | $2,098 |
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 | $52 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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