Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Chevrolet HHR are $964 every 12 months with full coverage. Comprehensive costs an estimated $158, collision costs $188, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,068. Teen drivers receive the highest rates at $3,900 a year or more.
Average premium for full coverage: $964
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all HHR models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $510 for your basic liability-only policy to the much higher price of $2,068 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of using price averages.
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.
More Rate Information
The chart below details estimated Chevrolet HHR insurance rates for other coverage scenarios.
- The lowest rate with discounts is $591
- Choosing higher $1,000 deductibles can save approximately $80 annually
- The average price for a 40-year-old driver who has $500 deductibles is $964
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,114
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,068 or more
- The cost to insure a teen driver for full coverage can cost as much as $3,900 each year
Car insurance rates for a Chevrolet HHR can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $230 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,100 to $1,600 extra per year, depending on your age. Chevrolet HHR insurance for high-risk drivers ranges as much as 41% to 127% more than average. 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 $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,300 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $874 | -$90 | -9.3% |
| Alaska | $740 | -$224 | -23.2% |
| Arizona | $802 | -$162 | -16.8% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $924 | -$40 | -4.1% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $890 | -$74 | -7.7% |
| Hawaii | $692 | -$272 | -28.2% |
| Idaho | $654 | -$310 | -32.2% |
| Illinois | $718 | -$246 | -25.5% |
| Indiana | $726 | -$238 | -24.7% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $916 | -$48 | -5.0% |
| Kentucky | $1,316 | $352 | 36.5% |
| Louisiana | $1,426 | $462 | 47.9% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $794 | -$170 | -17.6% |
| Massachusetts | $772 | -$192 | -19.9% |
| Michigan | $1,676 | $712 | 73.9% |
| Minnesota | $808 | -$156 | -16.2% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $854 | -$110 | -11.4% |
| Montana | $1,036 | $72 | 7.5% |
| Nebraska | $760 | -$204 | -21.2% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $696 | -$268 | -27.8% |
| New Jersey | $1,080 | $116 | 12.0% |
| New Mexico | $854 | -$110 | -11.4% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $668 | -$296 | -30.7% |
| Oklahoma | $990 | $26 | 2.7% |
| Oregon | $884 | -$80 | -8.3% |
| Pennsylvania | $920 | -$44 | -4.6% |
| Rhode Island | $1,288 | $324 | 33.6% |
| South Carolina | $874 | -$90 | -9.3% |
| South Dakota | $814 | -$150 | -15.6% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,162 | $198 | 20.5% |
| Utah | $714 | -$250 | -25.9% |
| Vermont | $660 | -$304 | -31.5% |
| Virginia | $578 | -$386 | -40.0% |
| Washington | $746 | -$218 | -22.6% |
| West Virginia | $884 | -$80 | -8.3% |
| Wisconsin | $668 | -$296 | -30.7% |
| Wyoming | $862 | -$102 | -10.6% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $948 | $79 |
| Chevrolet HHR LT | $948 | $79 |
| Chevrolet HHR SS | $1,014 | $85 |
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 | $176 | $236 | $474 | $1,044 |
| 2010 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2009 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2008 Chevrolet HHR | $158 | $188 | $460 | $964 |
| 2007 Chevrolet HHR | $156 | $178 | $452 | $944 |
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 Best Chevrolet HHR Insurance
Saving money on car insurance takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the ideas that were covered above.
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $325 per month if the policy includes full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,100 more annually than a driver with a clean driving record
- Increasing deductibles could save as much as $225 each year
- You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,900 |
| 20 | $2,198 |
| 30 | $978 |
| 40 | $964 |
| 50 | $886 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,046 |
| $500 | $964 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,106 |
| 100/300 | $1,221 |
| 250/500 | $1,520 |
| 100 CSL | $1,152 |
| 300 CSL | $1,405 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,480 |
| 20 | $3,496 |
| 30 | $2,082 |
| 40 | $2,068 |
| 50 | $1,976 |
| 60 | $1,956 |
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 | $48 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $373 |
Discounts are estimated and may not be available from every company or in every state.
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