Chevrolet HHR Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 4, 2023
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Average insurance prices for a Chevrolet HHR are $944 every 12 months for full coverage. Comprehensive costs around $156 a year, collision insurance costs $178, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,020. Teens receive the highest rates at up to $3,820 a year.
Average premium for full coverage: $944
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and HHR trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $504 for minimum levels of liability insurance to a high of $2,020 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.
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.
Additional Rate Details
The chart below shows average Chevrolet HHR insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $582
- Choosing higher $1,000 deductibles can save about $868 a year
- The average price for a 40-year-old driver using $500 deductibles is $944
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,088
- Unlucky drivers with serious driving violations could pay at least $2,020
- The cost to insure a teen driver can be $3,820 each year
Auto insurance rates for a Chevrolet HHR can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 every year, while buying higher liability limits will increase rates. Going 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
Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 130% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Chevrolet HHR insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,350 on average in Michigan, Louisiana, and New York.
| 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 Cheap Chevrolet HHR Insurance
Saving money on car insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the information covered above.
- Drivers can save up to $100 per year just by quoting early and online
- 16 to 18-year-old drivers are expensive to insure, costing as high as $318 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $225 each year
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,080 more every year than a driver with a clean driving record
- Policyholders who may need additional liability coverage will pay approximately $500 each year to raise limits from a minimum limit to a 250/500 level
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.
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