Hummer H3 Luxury Package 4WD Insurance Rates
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U.S. average insurance prices for a Hummer H3 Luxury Package 4WD are $1,480 every 12 months including full coverage. Comprehensive costs around $354 a year, collision insurance costs $604, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,184. Teenage drivers pay the highest rates at up to $5,360 a year.
Annual premium for full coverage: $1,480
Price estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Hummer H3 Trim Level
Using a 40-year-old driver as an example, Hummer H3 Luxury Package 4WD insurance prices range from the cheapest price of $430 for liability-only coverage to a high of $3,184 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These price ranges highlight why it is important for drivers to compare prices for a specific zip code and their own driving history, rather than using 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 Hummer H3 Luxury Package 4WD Insurance
Auto insurance rates for a Hummer H3 Luxury Package 4WD are also quite variable based on deductibles and policy limits, your driving characteristics, and the actual cash value of your H3.
Using high physical damage deductibles could cut rates by as much as $640 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 45% to 129% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Hummer H3 Luxury Package 4WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.
Since rates can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different.
The chart above shows average Hummer H3 Luxury Package 4WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $849. Drivers who use higher $1,000 deductibles will pay $1,262. The average rate for a driver age 40 with no violations using $500 deductibles is $1,480. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,900. Drivers with multiple violations and accidents could be charged at least $3,184. The cost for full coverage insurance for a 16-year-old driver can be as high as $5,360.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$111|
|5-yr Claim Free||$95|
|Paid in Full/EFT||$70|
Discounts are estimated and may not be available from every company or in every state.