Chevrolet HHR Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Chevrolet HHR are $944 every 12 months with full coverage. Comprehensive insurance costs approximately $156 each year, collision insurance costs $178, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs $2,020 or more. Teenage drivers receive the highest rates at up to $3,820 a year.
Average premium for full coverage: $944
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and HHR models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $504 for a discount liability-only rate to a high rate of $2,020 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples demonstrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below details average Chevrolet HHR insurance rates for additional coverage and risk scenarios.
- The best discount rate is $582
- Drivers who choose higher $1,000 deductibles will pay $76 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $944
- Using low deductibles for comprehensive and collision insurance costs an extra $144 annually
- Drivers who are prone to accidents and violations could pay around $2,020
- The cost to insure a 16-year-old driver can cost $3,820 a year
Auto insurance rates for a Chevrolet HHR can also vary considerably based on policy deductibles and limits, your driving record, and the model of your HHR.
Using high physical damage deductibles could save up to $220 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Chevrolet HHR insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$90 | -9.5% |
| Alaska | $726 | -$218 | -23.1% |
| Arizona | $784 | -$160 | -16.9% |
| Arkansas | $944 | -$0 | 0.0% |
| California | $1,076 | $132 | 14.0% |
| Colorado | $900 | -$44 | -4.7% |
| Connecticut | $972 | $28 | 3.0% |
| Delaware | $1,068 | $124 | 13.1% |
| Florida | $1,182 | $238 | 25.2% |
| Georgia | $872 | -$72 | -7.6% |
| Hawaii | $678 | -$266 | -28.2% |
| Idaho | $640 | -$304 | -32.2% |
| Illinois | $704 | -$240 | -25.4% |
| Indiana | $710 | -$234 | -24.8% |
| Iowa | $636 | -$308 | -32.6% |
| Kansas | $898 | -$46 | -4.9% |
| Kentucky | $1,288 | $344 | 36.4% |
| Louisiana | $1,396 | $452 | 47.9% |
| Maine | $582 | -$362 | -38.3% |
| Maryland | $778 | -$166 | -17.6% |
| Massachusetts | $754 | -$190 | -20.1% |
| Michigan | $1,640 | $696 | 73.7% |
| Minnesota | $790 | -$154 | -16.3% |
| Mississippi | $1,130 | $186 | 19.7% |
| Missouri | $836 | -$108 | -11.4% |
| Montana | $1,014 | $70 | 7.4% |
| Nebraska | $744 | -$200 | -21.2% |
| Nevada | $1,132 | $188 | 19.9% |
| New Hampshire | $680 | -$264 | -28.0% |
| New Jersey | $1,056 | $112 | 11.9% |
| New Mexico | $836 | -$108 | -11.4% |
| New York | $994 | $50 | 5.3% |
| North Carolina | $544 | -$400 | -42.4% |
| North Dakota | $774 | -$170 | -18.0% |
| Ohio | $654 | -$290 | -30.7% |
| Oklahoma | $970 | $26 | 2.8% |
| Oregon | $864 | -$80 | -8.5% |
| Pennsylvania | $900 | -$44 | -4.7% |
| Rhode Island | $1,260 | $316 | 33.5% |
| South Carolina | $856 | -$88 | -9.3% |
| South Dakota | $796 | -$148 | -15.7% |
| Tennessee | $826 | -$118 | -12.5% |
| Texas | $1,140 | $196 | 20.8% |
| Utah | $700 | -$244 | -25.8% |
| Vermont | $646 | -$298 | -31.6% |
| Virginia | $566 | -$378 | -40.0% |
| Washington | $730 | -$214 | -22.7% |
| West Virginia | $864 | -$80 | -8.5% |
| Wisconsin | $654 | -$290 | -30.7% |
| Wyoming | $842 | -$102 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $928 | $77 |
| Chevrolet HHR LT | $928 | $77 |
| Chevrolet HHR SS | $994 | $83 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2010 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2009 Chevrolet HHR | $158 | $188 | $460 | $964 |
| 2008 Chevrolet HHR | $156 | $178 | $452 | $944 |
| 2007 Chevrolet HHR | $142 | $170 | $446 | $916 |
Rates are averaged for all Chevrolet HHR 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 the Cheapest Chevrolet HHR Insurance
Saving money on insurance for a Chevrolet HHR not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,080 more per year to insure a Chevrolet HHR
- Drivers under the age of 20 have the highest car insurance rates, with premiums as much as $318 per month if comprehensive and collision insurance is included
- You may be able to save around $100 per year just by quoting online in advance
- Increasing deductibles could save as much as $225 each year
- You may be able to save around $100 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,820 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $944 |
| 50 | $868 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,088 |
| $250 | $1,024 |
| $500 | $944 |
| $1,000 | $868 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $944 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,364 |
| 20 | $3,416 |
| 30 | $2,034 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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 | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $362 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
