Hummer H3 Insurance Rates

The average insurance rates for a Hummer H3 are $914 a year for full coverage insurance. Comprehensive costs approximately $144 each year, collision insurance costs $170, and liability insurance is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $1,958. Teenage drivers cost the most to insure at up to $3,726 a year.

Average premium for full coverage: $914

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and H3 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates average Hummer H3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $565
• Raising to $1,000 deductibles will save $74 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $914
• Using low deductibles bumps up the cost to $1,048
• Higher-risk drivers who are prone to accidents and violations could pay around $1,958
• Policy cost that insures a teen driver can cost $3,726

View Chart as Image

Auto insurance rates for a Hummer H3 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state also has a big influence on Hummer H3 insurance rates. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,240 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $210 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

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 Find Cheap Hummer H3 Insurance

Finding cheaper rates on Hummer H3 insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a brief summary of the information presented in the illustrations above.

• It is possible to save around $100 per year just by quoting online in advance
• Youthful drivers have the highest car insurance rates, possibly costing $311 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,040 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay an extra $490 annually to raise from a 30/60 limit to the 250/500 level