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 insurance costs around $144, collision insurance costs $170, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs $1,958 or more. 16-year-old drivers pay the most at up to $3,726 a year.
Average premium for full coverage: $914
Premium estimates for type of coverage:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all H3 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Hummer H3 range from the cheapest price of $496 for the bare minimum liability coverage to the much higher price of $1,958 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on rate averages.
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 Rate Information
The chart below illustrates average Hummer H3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $565
- Choosing higher $1,000 deductibles can save about $74 each year
- The average price for a 40-year-old good driver using $500 deductibles is $914
- Buying pricier low deductibles for comp and collision coverage costs an extra $134 a year
- High-risk insureds with multiple tickets or accidents could pay at least $1,958
- An auto insurance policy to insure a teen driver for full coverage can be $3,726 each year
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.
Opting for high physical damage deductibles can save as much as $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 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared 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 additional annually, depending on your age. Hummer H3 insurance for high-risk drivers ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Hummer H3 insurance rates. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or 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 the Cheapest Hummer H3 Insurance
Finding better rates on Hummer H3 insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a recap of the data touched on in the above illustrations.
- Drivers who may need an increased level of liability coverage will pay around $490 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- It is possible to save up to $100 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $200 each year
- Drivers age 16 to 20 are charged the highest prices, with premiums being up to $311 per 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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