Hummer H3 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Average premium for full coverage: $914

Rate estimates for individual coverage type:

Comprehensive $144
Collision $170
Liability $442

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and H3 trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $496 for liability-only coverage to a high of $1,958 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $914
High Risk $1,958

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $686
Small Cities $960
Large Cities $1,234

These examples show why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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 shows average Hummer H3 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $565
  • Drivers who choose higher $1,000 deductibles will pay about $840 a year
  • The average price for a 40-year-old driver using $500 deductibles is $914
  • Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,048
  • Drivers who are prone to accidents and violations could pay at least $1,958
  • The cost to insure a 16-year-old driver can be $3,726 a year

View Chart as Image

Hummer H3 insurance cost comparison chart
Column chart showing Hummer H3 insurance rates range from $565 to $3,726 for full coverage

Insurance rates for a Hummer H3 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $210 annually, while buying higher liability limits will increase rates. Going 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

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Hummer H3 insurance prices. A 40-year-old driver could pay as low as $600 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,310 on average in Michigan, Louisiana, and New York.

Hummer H3 Insurance Rates by State
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%

View Chart as Image

Hummer H3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Hummer H3 Insurance Rates by Model and Trim Level
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.

Hummer H3 Insurance Rates by Model Year
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 Cheap Hummer H3 Insurance

Saving money on insurance for a Hummer H3 not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a brief summary of the primary concepts that were covered in the above illustrations.

  • Drivers can save up to $100 per year just by quoting early and online
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,040 more every year for auto insurance
  • Increasing deductibles could save as much as $200 each year
  • Teenage drivers are charged the highest rates, costing as high as $311 per month if full coverage is included

Rates by Driver Age

Hummer H3 Insurance 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

Hummer H3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,048
$250 $988
$500 $914
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Hummer H3 Insurance Rates with Different Liability Limits
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

Hummer H3 Insurance 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.

SR-22 Surcharge $120

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
Rate after discounts $565

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles