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2010 Chevrolet HHR Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2017

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Average insurance rates for a 2010 Chevrolet HHR are $1,148 a year including full coverage. Comprehensive costs an estimated $210, collision insurance costs $306, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,472. Teenage drivers receive the highest rates at up to $4,498 a year.

Annual premium for full coverage: $1,148

Rate estimates for 2010 Chevrolet HHR Insurance

Comprehensive $210
Collision $306
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Chevrolet HHR models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $522 for basic liability insurance to the much higher price of $2,472 for high-risk insurance.

Liability Only $522
Full Coverage $1,148
High Risk $2,472

View Chart as Image

2010 Chevrolet HHR insurance rates compared
Column chart showing 2010 Chevrolet HHR insurance prices range from $685 to $4,498 for full coverage

These differences highlight why everyone should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2010 Chevrolet HHR Insurance

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Having to pay for overpriced Chevrolet HHR insurance can overdraw your bank account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Because you have many options when it comes to insurance, it’s difficult to locate the best car insurance company.

Consumers need to do rate comparisons every six months because rates tend to go up over time. Even if you got the best deal for HHR coverage on your last policy other companies may now be cheaper. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get some proven techniques to stop overpaying for insurance.

These discounts can lower your rates

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Driver Safety – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

To see a list of providers who offer car insurance discounts, click this link.

The method we recommend to compare car insurance company rates is to know most of the larger companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information such as if it has an alarm system, marital status, if you have an active license, and if a SR-22 is required. Your details is instantly provided to insurance companies and they provide comparison quotes almost instantly.

To check rates for your 2010 Chevy HHR, click here and enter your zip code.

What determines your Chevy HHR insurance premium

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get big savings.

  • Older drivers pay less – Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Young drivers are known to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.
  • Drive a safer car and pay less – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Chevy HHR has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Bundling policies can get discounts – Many insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal.
  • Too many insurance coverage claims drive up costs – Car insurance companies award discounts to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is designed for larger claims.
  • Your job and insurance rates – Careers like lawyers, social workers and dentists are shown to have the highest average rates because of job stress and long work days. Other occupations like scientists, historians and the unemployed pay the least for HHR coverage.
  • Where you live – Choosing to live in less populated areas can save you money when insuring your vehicles. Lower population means fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have traffic congestion and longer commute times. Higher commute times means more change of being in an accident.
  • Little extras can really add up – There are a ton of extra coverages that you can buy on your HHR policy. Coverages for vanishing deductibles, towing coverage and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • Does my 2010 Chevy HHR need full coverage?
  • How high should my medical payments coverage be?
  • Is my custom paint covered by insurance?
  • Should I bundle my homeowners policy with my auto?
  • I don’t drive much so do I pay less?
  • Is my 2010 Chevy HHR covered for smoke damage?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, theft and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability

This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, repair costs for stationary objects, court costs, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage pays for damage to your HHR resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, colliding with a tree, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like X-ray expenses, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Don’t break the bank

Low-cost 2010 Chevy HHR insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best rate selection. Some companies do not provide online price quotes and these regional insurance providers work with independent agents.

We’ve covered a lot of techniques to reduce insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a small local company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

For more information, feel free to browse the articles below:

Rates by U.S. City

2010 Chevrolet HHR Insurance Rates by City
City Premium
New York City, NY $1,815
Los Angeles, CA $1,962
Philadelphia, PA $1,534
Jacksonville, FL $1,668
Phoenix, AZ $1,333
Chicago, IL $1,537
Houston, TX $1,799
Seattle, WA $1,119
Columbus, OH $958
Indianapolis, IN $974

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $4,498
20 $2,626
30 $1,178
40 $1,148
50 $1,050
60 $1,030

Full coverage, $500 deductibles

Rates by Deductible

2010 Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,372
$250 $1,268
$500 $1,148
$1,000 $1,030

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,148
50/100 $1,243
100/300 $1,361
250/500 $1,669
100 CSL $1,290
300 CSL $1,551
500 CSL $1,741

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $6,364
20 $4,184
30 $2,504
40 $2,472
50 $2,364
60 $2,338

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 $156

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $463
Rate after discounts $685

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

Find companies with the cheapest rates in your area

2010 Chevrolet HHR Insurance Rates by State
State Premium
Alabama $1,038
Alaska $880
Arizona $952
Arkansas $1,148
California $1,308
Colorado $1,098
Connecticut $1,180
Delaware $1,300
Florida $1,438
Georgia $1,058
Hawaii $826
Idaho $774
Illinois $854
Indiana $862
Iowa $774
Kansas $1,092
Kentucky $1,566
Louisiana $1,698
Maine $708
Maryland $946
Massachusetts $918
Michigan $1,994
Minnesota $960
Mississippi $1,374
Missouri $1,018
Montana $1,232
Nebraska $904
Nevada $1,376
New Hampshire $826
New Jersey $1,284
New Mexico $1,016
New York $1,210
North Carolina $662
North Dakota $940
Ohio $792
Oklahoma $1,180
Oregon $1,050
Pennsylvania $1,096
Rhode Island $1,530
South Carolina $1,038
South Dakota $970
Tennessee $1,006
Texas $1,384
Utah $850
Vermont $786
Virginia $688
Washington $888
West Virginia $1,052
Wisconsin $796
Wyoming $1,024

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