Hummer H3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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:

Comprehensive $168
Collision $202
Liability $468

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

Using a 40-year-old driver as an example, Hummer H3 insurance prices go from as cheap as $518 for just liability insurance to a high of $2,140 for a policy for a high-risk driver.

Liability Only $518
Full Coverage $996
High Risk $2,140

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.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Hummer H3 insurance cost comparison chart
Column chart showing full coverage Hummer H3 insurance prices range from $609 to $4,014

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.

Hummer H3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $904 -$92 -9.2%
Alaska $766 -$230 -23.1%
Arizona $828 -$168 -16.9%
Arkansas $996 -$0 0.0%
California $1,136 $140 14.1%
Colorado $954 -$42 -4.2%
Connecticut $1,026 $30 3.0%
Delaware $1,130 $134 13.5%
Florida $1,250 $254 25.5%
Georgia $920 -$76 -7.6%
Hawaii $716 -$280 -28.1%
Idaho $676 -$320 -32.1%
Illinois $744 -$252 -25.3%
Indiana $750 -$246 -24.7%
Iowa $672 -$324 -32.5%
Kansas $950 -$46 -4.6%
Kentucky $1,360 $364 36.5%
Louisiana $1,476 $480 48.2%
Maine $616 -$380 -38.2%
Maryland $822 -$174 -17.5%
Massachusetts $798 -$198 -19.9%
Michigan $1,734 $738 74.1%
Minnesota $834 -$162 -16.3%
Mississippi $1,194 $198 19.9%
Missouri $884 -$112 -11.2%
Montana $1,072 $76 7.6%
Nebraska $788 -$208 -20.9%
Nevada $1,196 $200 20.1%
New Hampshire $718 -$278 -27.9%
New Jersey $1,116 $120 12.0%
New Mexico $884 -$112 -11.2%
New York $1,052 $56 5.6%
North Carolina $574 -$422 -42.4%
North Dakota $818 -$178 -17.9%
Ohio $690 -$306 -30.7%
Oklahoma $1,024 $28 2.8%
Oregon $914 -$82 -8.2%
Pennsylvania $952 -$44 -4.4%
Rhode Island $1,332 $336 33.7%
South Carolina $904 -$92 -9.2%
South Dakota $842 -$154 -15.5%
Tennessee $874 -$122 -12.2%
Texas $1,202 $206 20.7%
Utah $738 -$258 -25.9%
Vermont $682 -$314 -31.5%
Virginia $598 -$398 -40.0%
Washington $772 -$224 -22.5%
West Virginia $914 -$82 -8.2%
Wisconsin $690 -$306 -30.7%
Wyoming $890 -$106 -10.6%

View Chart as Image

Hummer H3 insurance rates by U.S. city

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

Hummer H3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hummer H3 Adventure Package 4WD $980 $82
Hummer H3 4WD $980 $82
Hummer H3 Luxury Package 4WD $996 $83
Hummer H3 Alpha 4WD $1,014 $85

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.

Hummer H3 Insurance Rates by Model Year
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 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

Rates by Driver Age

Hummer H3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,014
20 $2,270
30 $1,014
40 $996
50 $916
60 $896

Full coverage, $500 deductibles

Rates by Deductible

Hummer H3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,084
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Hummer H3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,108
100/300 $1,225
250/500 $1,529
100 CSL $1,154
300 CSL $1,412
500 CSL $1,599

Full coverage, driver age 40

Rates for High Risk Drivers

Hummer H3 Insurance Rates for High Risk Drivers
Age Premium
16 $5,646
20 $3,618
30 $2,156
40 $2,140
50 $2,046
60 $2,024

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 $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $387
Rate after discounts $609

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

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