Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for a Hummer H3 are $960 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $162, collision costs $188, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,056 or more. 16-year-old drivers cost the most to insure at $3,866 a year or more.
Average premium for full coverage: $960
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all H3 models.
Price Range Variability
For a driver in their 40's, Hummer H3 insurance rates go from the cheapest price of $504 for just liability insurance to the much higher price of $2,056 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.
The example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location and their own driving history, rather than relying 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.
More Rate Details
The chart below illustrates estimated Hummer H3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $591
- Raising to $1,000 deductibles will save $78 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $960
- Buying pricier low deductibles costs an extra $152 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,056 or more
- Policy cost to insure a teen driver for full coverage can cost $3,866
Car insurance rates for a Hummer H3 also range considerably based on liability limits and deductibles, your risk profile, and the model of your H3.
Opting for high physical damage deductibles can reduce rates by up to $230 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Hummer H3 insurance for high-risk drivers is expensive and can cost anywhere from 41% to 128% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Hummer H3 insurance rates. A middle-age driver might find rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.
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 Shop for Affordable Hummer H3 Insurance
Finding cheaper rates on Hummer H3 insurance consists of having a good driving record, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief review of the material that was covered in the charts and tables above.
- Drivers who purchase increased levels of liability coverage will pay around $500 annually to raise from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $322 each month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,100 more per year to buy Hummer H3 insurance
- Increasing comprehensive and collision deductibles could save as much as $225 each year
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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