Chevrolet HHR 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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Estimated auto insurance rates for a Chevrolet HHR are $1,084 annually including full coverage. Comprehensive costs approximately $190, collision insurance costs $258, and liability costs $478. Liability-only coverage costs as little as $526 a year, and high-risk coverage costs around $2,330. Teens pay the most at up to $4,300 a year.

Average premium for full coverage: $1,084

Premium estimates by type of coverage:

Comprehensive $190
Collision $258
Liability $478

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all HHR models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Chevrolet HHR range from as cheap as $526 for liability-only coverage to the much higher price of $2,330 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $1,084
High Risk $2,330

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $813
Small Cities $1,138
Large Cities $1,463

These rate differences highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on 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 Charts and Tables

The chart below breaks down average Chevrolet HHR insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $652
  • Drivers who choose higher $1,000 deductibles will pay $104 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,084
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,276
  • Drivers with serious driving violations could pay around $2,330
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $4,300 a year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance rates range from $652 to $4,300 for full coverage

Insurance prices for a Chevrolet HHR also have a wide range based on the model of your HHR, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,800 extra annually, depending on your age. Chevrolet HHR insurance for high-risk drivers can cost from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Chevrolet HHR insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,550 on average in Louisiana, New York, and Michigan.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $980 -$104 -9.6%
Alaska $832 -$252 -23.2%
Arizona $900 -$184 -17.0%
Arkansas $1,084 -$0 0.0%
California $1,234 $150 13.8%
Colorado $1,036 -$48 -4.4%
Connecticut $1,112 $28 2.6%
Delaware $1,226 $142 13.1%
Florida $1,356 $272 25.1%
Georgia $1,000 -$84 -7.7%
Hawaii $776 -$308 -28.4%
Idaho $732 -$352 -32.5%
Illinois $808 -$276 -25.5%
Indiana $816 -$268 -24.7%
Iowa $730 -$354 -32.7%
Kansas $1,030 -$54 -5.0%
Kentucky $1,478 $394 36.3%
Louisiana $1,602 $518 47.8%
Maine $668 -$416 -38.4%
Maryland $892 -$192 -17.7%
Massachusetts $868 -$216 -19.9%
Michigan $1,884 $800 73.8%
Minnesota $906 -$178 -16.4%
Mississippi $1,298 $214 19.7%
Missouri $960 -$124 -11.4%
Montana $1,164 $80 7.4%
Nebraska $854 -$230 -21.2%
Nevada $1,298 $214 19.7%
New Hampshire $780 -$304 -28.0%
New Jersey $1,212 $128 11.8%
New Mexico $958 -$126 -11.6%
New York $1,140 $56 5.2%
North Carolina $624 -$460 -42.4%
North Dakota $886 -$198 -18.3%
Ohio $748 -$336 -31.0%
Oklahoma $1,112 $28 2.6%
Oregon $992 -$92 -8.5%
Pennsylvania $1,034 -$50 -4.6%
Rhode Island $1,446 $362 33.4%
South Carolina $982 -$102 -9.4%
South Dakota $914 -$170 -15.7%
Tennessee $950 -$134 -12.4%
Texas $1,306 $222 20.5%
Utah $802 -$282 -26.0%
Vermont $742 -$342 -31.5%
Virginia $648 -$436 -40.2%
Washington $836 -$248 -22.9%
West Virginia $992 -$92 -8.5%
Wisconsin $750 -$334 -30.8%
Wyoming $966 -$118 -10.9%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet HHR LS $1,062 $89
Chevrolet HHR LT $1,062 $89
Chevrolet HHR SS $1,148 $96

Rates assume 2010 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.

Chevrolet HHR Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Chevrolet HHR $194 $284 $474 $1,110
2010 Chevrolet HHR $190 $258 $478 $1,084
2009 Chevrolet HHR $176 $236 $474 $1,044
2008 Chevrolet HHR $166 $214 $474 $1,012
2007 Chevrolet HHR $162 $192 $468 $980

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 Buy More Affordable Chevrolet HHR Insurance

Finding better rates on insurance for a Chevrolet HHR not only requires not taking risks behind the wheel, but also having a good credit history, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,250 more per year for HHR insurance
  • Teens are expensive to insure, with the cost nearing $358 per month including comprehensive and collision insurance
  • You may be able to save around $120 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $300 each year
  • You may be able to save around $120 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $4,300
20 $2,472
30 $1,106
40 $1,084
50 $994
60 $972

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,276
$250 $1,190
$500 $1,084
$1,000 $980

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,084
50/100 $1,244
100/300 $1,363
250/500 $1,674
100 CSL $1,291
300 CSL $1,554
500 CSL $1,746

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $6,072
20 $3,944
30 $2,354
40 $2,330
50 $2,228
60 $2,206

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $68
Paid in Full/EFT $41
Advance Quote $48
Online Quote $74
Total Discounts $432
Rate after discounts $652

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

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