Hummer H3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Estimated insurance prices for a Hummer H3 are $914 every 12 months for full coverage insurance. Comprehensive costs around $144, collision insurance costs $170, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,958. Teens pay the most at up to $3,726 a year.
Average premium for full coverage: $914
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all H3 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Hummer H3 range from the cheapest price of $496 for your basic liability-only policy to the much higher price of $1,958 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying 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.
More Rate Information
The chart below illustrates average Hummer H3 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $565
- Drivers who choose higher $1,000 deductibles will pay about $74 each year
- The average price for a 40-year-old good driver using $500 deductibles is $914
- Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,048
- High risk drivers with serious driving violations could pay at least $1,958
- An auto insurance policy to insure a teen driver for full coverage can be $3,726 a year
Auto insurance prices for a Hummer H3 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $210 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $3,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 in extra premium annually, depending on your age. Hummer H3 insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Hummer H3 insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,240 on average in Michigan, New York, 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% |
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 Shop for Affordable Hummer H3 Insurance
Finding better rates on Hummer H3 insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a brief review of the primary concepts that were covered above.
- It is possible to save up to $100 per year just by quoting online well ahead of the renewal date
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,040 more every year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $200 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $311 per month if comprehensive and collision insurance 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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