Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,276 |
| $250 | $1,190 |
| $500 | $1,084 |
| $1,000 | $980 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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