Hummer H3 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Hummer H3 are $914 a year with full coverage. Comprehensive insurance costs approximately $144, collision insurance costs $170, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $1,958 or more. Teens pay the highest rates at up to $3,726 a year.
Average premium for full coverage: $914
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all H3 models.
Price Range from Low to High
For the average 40-year-old driver, Hummer H3 insurance prices range from the low end price of $496 for basic liability insurance to the much higher price of $1,958 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location, 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.
Rate Comparisons
The chart below details average Hummer H3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $565
- Using higher $1,000 deductibles will save $74 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $914
- Selecting pricier low deductibles for physical damage coverage will cost an additional $134 annually
- High-risk insureds with serious driving violations could pay around $1,958
- The price that insures a 16-year-old driver for full coverage can cost $3,726 or more
Insurance prices for a Hummer H3 are also quite variable based on the model of your H3, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. Hummer H3 insurance for high-risk drivers can be from 43% to 134% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,700 a year. View Rates by Age
The state you live in has a huge impact on Hummer H3 insurance prices. A driver around age 40 might see prices as low as $660 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,240 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $828 | -$86 | -9.4% |
| Alaska | $702 | -$212 | -23.2% |
| Arizona | $760 | -$154 | -16.8% |
| Arkansas | $914 | -$0 | 0.0% |
| California | $1,042 | $128 | 14.0% |
| Colorado | $872 | -$42 | -4.6% |
| Connecticut | $942 | $28 | 3.1% |
| Delaware | $1,034 | $120 | 13.1% |
| Florida | $1,144 | $230 | 25.2% |
| Georgia | $844 | -$70 | -7.7% |
| Hawaii | $656 | -$258 | -28.2% |
| Idaho | $620 | -$294 | -32.2% |
| Illinois | $680 | -$234 | -25.6% |
| Indiana | $688 | -$226 | -24.7% |
| Iowa | $616 | -$298 | -32.6% |
| Kansas | $870 | -$44 | -4.8% |
| Kentucky | $1,248 | $334 | 36.5% |
| Louisiana | $1,354 | $440 | 48.1% |
| Maine | $564 | -$350 | -38.3% |
| Maryland | $754 | -$160 | -17.5% |
| Massachusetts | $732 | -$182 | -19.9% |
| Michigan | $1,590 | $676 | 74.0% |
| Minnesota | $764 | -$150 | -16.4% |
| Mississippi | $1,096 | $182 | 19.9% |
| Missouri | $812 | -$102 | -11.2% |
| Montana | $984 | $70 | 7.7% |
| Nebraska | $720 | -$194 | -21.2% |
| Nevada | $1,096 | $182 | 19.9% |
| New Hampshire | $658 | -$256 | -28.0% |
| New Jersey | $1,022 | $108 | 11.8% |
| New Mexico | $808 | -$106 | -11.6% |
| New York | $964 | $50 | 5.5% |
| North Carolina | $526 | -$388 | -42.5% |
| North Dakota | $750 | -$164 | -17.9% |
| Ohio | $632 | -$282 | -30.9% |
| Oklahoma | $940 | $26 | 2.8% |
| Oregon | $838 | -$76 | -8.3% |
| Pennsylvania | $872 | -$42 | -4.6% |
| Rhode Island | $1,222 | $308 | 33.7% |
| South Carolina | $828 | -$86 | -9.4% |
| South Dakota | $772 | -$142 | -15.5% |
| Tennessee | $804 | -$110 | -12.0% |
| Texas | $1,102 | $188 | 20.6% |
| Utah | $678 | -$236 | -25.8% |
| Vermont | $626 | -$288 | -31.5% |
| Virginia | $548 | -$366 | -40.0% |
| Washington | $708 | -$206 | -22.5% |
| West Virginia | $838 | -$76 | -8.3% |
| Wisconsin | $634 | -$280 | -30.6% |
| Wyoming | $816 | -$98 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $210 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $900 | $75 |
| Hummer H3 4WD | $900 | $75 |
| Hummer H3 Luxury Package 4WD | $914 | $76 |
| Hummer H3 Alpha 4WD | $930 | $78 |
Rates assume 2006 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 |
|---|---|---|---|---|
| 2009 Hummer H3 | $166 | $198 | $460 | $982 |
| 2008 Hummer H3 | $162 | $188 | $452 | $960 |
| 2006 Hummer H3 | $144 | $170 | $442 | $914 |
Rates are averaged for all Hummer H3 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 the Best Cheap Hummer H3 Insurance
Getting lower rates on insurance for a Hummer H3 requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at every policy renewal by requesting quotes from direct companies, and also from local insurance agencies.
The list below is a quick review of the data touched on in this article.
- Insureds who purchase higher liability limits will pay approximately $490 every year to increase from a low limit to the 250/500 level
- You may be able to save around $100 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $200 each year
- Teenagers are expensive to insure, costing up to $311 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,726 |
| 20 | $2,086 |
| 30 | $928 |
| 40 | $914 |
| 50 | $840 |
| 60 | $822 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,048 |
| $250 | $988 |
| $500 | $914 |
| $1,000 | $840 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $914 |
| 50/100 | $1,018 |
| 100/300 | $1,129 |
| 250/500 | $1,416 |
| 100 CSL | $1,063 |
| 300 CSL | $1,306 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,228 |
| 20 | $3,318 |
| 30 | $1,970 |
| 40 | $1,958 |
| 50 | $1,874 |
| 60 | $1,854 |
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 | $45 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $349 |
Discounts are estimated and may not be available from every company or in every state.
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