Chevrolet HHR Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

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.

The average insurance rates for a Chevrolet HHR are $1,084 a year with full coverage. Comprehensive costs approximately $190 each year, collision insurance costs $258, and liability is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs around $2,330. Teen drivers cost the most to insure at up to $4,300 a year.

Average premium for full coverage: $1,084

Policy rates by type of insurance:

Comprehensive $190
Collision $258
Liability $478

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and HHR models.

Price Range Variability

Using a 40-year-old driver as an example, Chevrolet HHR insurance rates range from the low end price of $526 for just the minimum liability insurance to a high rate of $2,330 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

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

The examples above demonstrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $652
  • Raising to $1,000 deductibles will save $104 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,084
  • Choosing low deductibles bumps up the cost to $1,276
  • Drivers with multiple violations and an at-fault accident could pay around $2,330
  • Policy cost that insures a 16-year-old driver can cost $4,300

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

Car insurance rates for a Chevrolet HHR also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 134% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,300 a year. View Rates by Age

Your home state also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,460 on average in New York, Michigan, and Florida.

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

Choosing high deductibles can reduce rates by up to $300 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Cheaper Chevrolet HHR Insurance

Finding cheaper rates on insurance for a Chevrolet HHR consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Shop around at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The points below are a condensed summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save around $120 per year just by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,250 more per year to insure a Chevrolet HHR
  • Increasing comprehensive and collision deductibles can save approximately $300 each year
  • Drivers under the age of 20 pay the highest auto insurance rates, as much as $358 each month if full coverage is purchased

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles