Hummer H3 Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance rates for a Hummer H3 are $932 a year for full coverage insurance. Comprehensive costs approximately $148 each year, collision insurance costs $180, and liability costs $446. Buying just liability costs as little as $500 a year, and insurance for high-risk drivers costs around $2,002. Teen drivers cost the most to insure at up to $3,790 a year.

Average premium for full coverage: $932

Policy rates by type of insurance:

Comprehensive $148
Collision $180
Liability $446

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and H3 models.

Price Range Variability

For an average driver, Hummer H3 insurance rates range from as low as $500 for minimum levels of liability insurance to a high rate of $2,002 for a driver who has had serious violations or accidents.

Liability Only $500
Full Coverage $932
High Risk $2,002

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $699
Small Cities $979
Large Cities $1,258

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on price 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.

Additional Rate Details

The chart below illustrates average Hummer H3 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $573
  • Drivers who choose higher $1,000 deductibles will pay $74 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $932
  • Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,074
  • Drivers with multiple violations and an at-fault accident could pay around $2,002
  • Policy cost for full coverage for a 16-year-old driver can cost $3,790 a year

View Chart as Image

Hummer H3 insurance cost comparison chart
Column chart showing Hummer H3 insurance rates range from $573 to $3,790 for full coverage

Insurance rates for a Hummer H3 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state makes a big difference in Hummer H3 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,260 on average in Florida, New York, and Michigan.

Hummer H3 Insurance Rates by State
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%

View Chart as Image

Hummer H3 insurance rates by U.S. city

Choosing high deductibles could save up to $220 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 131% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Hummer H3 Insurance Rates by Model and Trim Level
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.

Hummer H3 Insurance Rates by Model Year
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 the Right Hummer H3 Insurance

Finding cheaper rates on insurance for a Hummer H3 not only requires being a safe and courteous driver, but also maintaining good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the ideas that were covered in the above illustrations.

  • Teenage drivers are expensive to insure, possibly costing $316 each month for full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,070 more per year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • It is possible to save around $100 per year just by quoting online in advance

Rates by Driver Age

Hummer H3 Insurance 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

Hummer H3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,074
$250 $1,010
$500 $932
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Hummer H3 Insurance Rates with Different Liability Limits
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

Hummer H3 Insurance 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.

SR-22 Surcharge $123

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
Rate after discounts $573

Discounts are estimated and may not be available from every company or in every state.

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