Hummer H3 Insurance Rates

U.S. average insurance rates for a Hummer H3 are $932 a year for full coverage insurance. Comprehensive insurance costs an estimated $148 a year, collision costs $180, and liability coverage is $446. Buying just liability costs around $500 a year, with insurance for high-risk drivers costing $2,002 or more. Teenage drivers pay the highest rates at $3,790 a year or more.

Average premium for full coverage: $932

Price estimates broken down by individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and H3 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Hummer H3 insurance rates for other coverage scenarios.

• The best discount rate is $573
• Raising to $1,000 deductibles will save approximately $858 each year
• The average rate for the average middle-age driver who has $500 deductibles is $932
• Using low $100 deductibles will cost an extra $142 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,002 or more
• The price for full coverage for a teenage driver can cost as much as $3,790

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

The state you live in also has a big influence on Hummer H3 insurance rates. A middle-age driver might find prices as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,260 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $220 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Hummer H3 Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the primary concepts that were touched on in this article.

• It is possible to save approximately $100 per year simply by quoting early and online
• Drivers who tend to receive serious violations pay on average $1,070 more annually for H3 insurance
• Increasing physical damage deductibles can save around $225 each year
• Teens are expensive to insure, as much as $316 a month including comprehensive and collision insurance