Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance prices for a Hummer H3 are $932 every 12 months for full coverage. Comprehensive costs an estimated $148, collision insurance costs $180, and liability is $446. A liability-only policy costs around $500 a year, and high-risk insurance costs around $2,002. Teen drivers receive the highest rates at up to $3,790 a year.
Average premium for full coverage: $932
Rate estimates broken down by individual coverage type:
Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all H3 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $500 for the bare minimum liability coverage to the much higher price of $2,002 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates how location helps determine insurance prices.
These examples show why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price 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 shows average Hummer H3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $573
- Raising to $1,000 deductibles will save approximately $74 a year
- The average price for a 40-year-old driver who has $500 deductibles is $932
- Choosing pricier low deductibles increases the price to $1,074
- Drivers with multiple violations and an at-fault accident could pay up to $2,002
- The cost to insure a 16-year-old driver for full coverage can cost as much as $3,790
Insurance rates for a Hummer H3 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $220 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $402 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $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 $1,100 to $1,600 extra per year, depending on your age. Hummer H3 insurance for high-risk drivers is expensive and can cost from 42% to 131% more than average. View High Risk Driver Rates
Where you live also has a big influence on Hummer H3 insurance prices. A middle-age driver might find rates as low as $620 a year in states like Iowa, Maine, and Idaho, or as much as $1,330 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $844 | -$88 | -9.4% |
| Alaska | $716 | -$216 | -23.2% |
| Arizona | $776 | -$156 | -16.7% |
| Arkansas | $932 | -$0 | 0.0% |
| California | $1,064 | $132 | 14.2% |
| Colorado | $892 | -$40 | -4.3% |
| Connecticut | $960 | $28 | 3.0% |
| Delaware | $1,058 | $126 | 13.5% |
| Florida | $1,168 | $236 | 25.3% |
| Georgia | $862 | -$70 | -7.5% |
| Hawaii | $668 | -$264 | -28.3% |
| Idaho | $630 | -$302 | -32.4% |
| Illinois | $694 | -$238 | -25.5% |
| Indiana | $702 | -$230 | -24.7% |
| Iowa | $630 | -$302 | -32.4% |
| Kansas | $888 | -$44 | -4.7% |
| Kentucky | $1,272 | $340 | 36.5% |
| Louisiana | $1,382 | $450 | 48.3% |
| Maine | $576 | -$356 | -38.2% |
| Maryland | $768 | -$164 | -17.6% |
| Massachusetts | $748 | -$184 | -19.7% |
| Michigan | $1,622 | $690 | 74.0% |
| Minnesota | $780 | -$152 | -16.3% |
| Mississippi | $1,120 | $188 | 20.2% |
| Missouri | $828 | -$104 | -11.2% |
| Montana | $1,002 | $70 | 7.5% |
| Nebraska | $738 | -$194 | -20.8% |
| Nevada | $1,120 | $188 | 20.2% |
| New Hampshire | $674 | -$258 | -27.7% |
| New Jersey | $1,044 | $112 | 12.0% |
| New Mexico | $828 | -$104 | -11.2% |
| New York | $984 | $52 | 5.6% |
| North Carolina | $540 | -$392 | -42.1% |
| North Dakota | $764 | -$168 | -18.0% |
| Ohio | $644 | -$288 | -30.9% |
| Oklahoma | $958 | $26 | 2.8% |
| Oregon | $854 | -$78 | -8.4% |
| Pennsylvania | $892 | -$40 | -4.3% |
| Rhode Island | $1,246 | $314 | 33.7% |
| South Carolina | $844 | -$88 | -9.4% |
| South Dakota | $788 | -$144 | -15.5% |
| Tennessee | $818 | -$114 | -12.2% |
| Texas | $1,126 | $194 | 20.8% |
| Utah | $690 | -$242 | -26.0% |
| Vermont | $640 | -$292 | -31.3% |
| Virginia | $560 | -$372 | -39.9% |
| Washington | $720 | -$212 | -22.7% |
| West Virginia | $854 | -$78 | -8.4% |
| Wisconsin | $646 | -$286 | -30.7% |
| Wyoming | $832 | -$100 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $916 | $76 |
| Hummer H3 4WD | $916 | $76 |
| Hummer H3 Luxury Package 4WD | $932 | $78 |
| Hummer H3 Alpha 4WD | $948 | $79 |
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 | $168 | $202 | $468 | $996 |
| 2008 Hummer H3 | $166 | $198 | $460 | $982 |
| 2006 Hummer H3 | $148 | $180 | $446 | $932 |
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
Saving money on insurance for a Hummer H3 consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a recap of the data that was covered in the charts and tables above.
- Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date
- Insureds who want more liability coverage will pay about $490 each year to raise from a minimum limit to a 250/500 level
- Teen drivers are charged the highest rates, costing as high as $316 per month if they have full coverage
- Drivers considered higher risk that have major violations or accidents pay on average $1,070 more annually to insure their H3
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,790 |
| 20 | $2,130 |
| 30 | $948 |
| 40 | $932 |
| 50 | $858 |
| 60 | $838 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,074 |
| $250 | $1,010 |
| $500 | $932 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $932 |
| 50/100 | $1,037 |
| 100/300 | $1,149 |
| 250/500 | $1,439 |
| 100 CSL | $1,082 |
| 300 CSL | $1,327 |
| 500 CSL | $1,506 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,322 |
| 20 | $3,388 |
| 30 | $2,014 |
| 40 | $2,002 |
| 50 | $1,914 |
| 60 | $1,894 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $359 |
Discounts are estimated and may not be available from every company or in every state.
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