Hummer H3 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 4, 2023
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The average insurance prices for a Hummer H3 are $914 every 12 months including full coverage. Comprehensive costs an estimated $144 each year, collision insurance costs $170, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,958. Teenage drivers cost the most to insure at up to $3,726 a year.
Average premium for full coverage: $914
Policy rates broken down by type of insurance:
Prices include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and H3 models.
Price Range Variability
For an average driver, Hummer H3 insurance rates range from the cheapest price of $496 for just the minimum liability insurance to a high rate of $1,958 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.
The examples above highlight why all drivers should compare rates for a targeted area 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 Rate Analysis
The chart below breaks down average Hummer H3 insurance rates for other coverage scenarios.
- The best discount rate is $565
- Drivers who choose higher $1,000 deductibles will pay approximately $74 every year
- The average price for a good driver age 40 who has $500 deductibles is $914
- Using low deductibles for comprehensive and collision insurance increases the price to $1,048
- Drivers who are prone to accidents and violations could pay up to $1,958
- Policy cost to insure a 16-year-old driver can cost as much as $3,726 a year
Insurance rates for a Hummer H3 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles could save up to $210 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Hummer H3 insurance prices. A 40-year-old driver could pay as low as $700 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,310 on average in Louisiana, New York, and Michigan.
| 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 Right Hummer H3 Insurance
Finding cheaper rates on insurance for a Hummer H3 not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following is a quick rundown of the car insurance concepts covered in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,040 more annually for H3 insurance
- You may be able to save approximately $100 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Insureds who want higher liability limits will pay an extra $490 per year to go from a 30/60 limit to a 250/500 level
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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