Hummer H3 Insurance Rates

Average insurance prices for a Hummer H3 are $914 every 12 months for full coverage insurance. Comprehensive costs approximately $144, collision costs $170, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,958. Teens receive the highest rates at $3,726 a year or more.

Average premium for full coverage: $914

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different H3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated 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 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $914
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,048
• Drivers with serious driving violations could pay around $1,958 or more
• The cost to insure a teen driver with full coverage can cost $3,726 or more

View Chart as Image

Insurance rates for a Hummer H3 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your H3.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $210 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance can be as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Hummer H3 insurance prices. A driver around age 40 might see rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,240 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Hummer H3 Insurance

Saving money on car insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a brief review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,040 more per year for auto insurance
• It is possible to save around $100 per year simply by shopping early and online
• Increasing deductibles could save as much as $200 each year
• Policyholders who purchase higher levels of liability will pay approximately $490 annually to increase from a minimum limit to a 250/500 level