Chevrolet HHR Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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 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
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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