Hummer H3 Insurance Rates

U.S. average insurance rates for a Hummer H3 are $914 a year with full coverage. Comprehensive costs approximately $144 each year, collision costs $170, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $1,958. Teenage drivers pay the highest rates at $3,726 a year or more.

Average premium for full coverage: $914

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and H3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below details estimated Hummer H3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $565
• Choosing higher $1,000 deductibles can save $74 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $914
• Using low deductibles for comp and collision coverage bumps up the cost to $1,048
• High-risk insureds who are prone to accidents and violations could pay around $1,958 or more
• The price that insures a teen driver can cost $3,726 each year

View Chart as Image

Insurance prices for a Hummer H3 are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Hummer H3 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,240 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $210 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 Find the Best Cheap Hummer H3 Insurance

Getting lower rates on Hummer H3 insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every year by getting quotes from direct companies, and also from local insurance agencies.

The points below are a quick review of the coverage data touched on in the above illustrations.

• You may be able to save around $100 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $200 each year
• Drivers under the age of 20 are expensive to insure, costing up to $311 a month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,040 more per year to insure a Hummer H3