Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Hummer H3 are $996 a year for full coverage. Comprehensive insurance costs around $168, collision insurance costs $202, and liability insurance costs around $468. Buying just liability costs as low as $518 a year, and insurance for high-risk drivers costs $2,140 or more. Teenage drivers cost the most to insure at up to $4,014 a year.
Average premium for full coverage: $996
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different H3 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Hummer H3 insurance rates range from as low as $518 for just liability coverage to a much higher rate of $2,140 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below shows average Hummer H3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $609
- Using higher $1,000 deductibles will save about $84 a year
- The average rate for a good driver age 40 using $500 deductibles is $996
- Using more expensive low deductibles for physical damage coverage will cost an extra $160 a year
- Drivers who are prone to accidents and violations could pay at least $2,140
- Policy cost for full coverage for a teen driver with full coverage can be $4,014 or more
Insurance rates for a Hummer H3 also range considerably based on your risk profile, the trim level of your H3, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,000 a year. View Rates by Age
Your home state has a huge impact on Hummer H3 insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,430 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $904 | -$92 | -9.2% |
Alaska | $766 | -$230 | -23.1% |
Arizona | $828 | -$168 | -16.9% |
Arkansas | $996 | -$0 | 0.0% |
California | $1,136 | $140 | 14.1% |
Colorado | $954 | -$42 | -4.2% |
Connecticut | $1,026 | $30 | 3.0% |
Delaware | $1,130 | $134 | 13.5% |
Florida | $1,250 | $254 | 25.5% |
Georgia | $920 | -$76 | -7.6% |
Hawaii | $716 | -$280 | -28.1% |
Idaho | $676 | -$320 | -32.1% |
Illinois | $744 | -$252 | -25.3% |
Indiana | $750 | -$246 | -24.7% |
Iowa | $672 | -$324 | -32.5% |
Kansas | $950 | -$46 | -4.6% |
Kentucky | $1,360 | $364 | 36.5% |
Louisiana | $1,476 | $480 | 48.2% |
Maine | $616 | -$380 | -38.2% |
Maryland | $822 | -$174 | -17.5% |
Massachusetts | $798 | -$198 | -19.9% |
Michigan | $1,734 | $738 | 74.1% |
Minnesota | $834 | -$162 | -16.3% |
Mississippi | $1,194 | $198 | 19.9% |
Missouri | $884 | -$112 | -11.2% |
Montana | $1,072 | $76 | 7.6% |
Nebraska | $788 | -$208 | -20.9% |
Nevada | $1,196 | $200 | 20.1% |
New Hampshire | $718 | -$278 | -27.9% |
New Jersey | $1,116 | $120 | 12.0% |
New Mexico | $884 | -$112 | -11.2% |
New York | $1,052 | $56 | 5.6% |
North Carolina | $574 | -$422 | -42.4% |
North Dakota | $818 | -$178 | -17.9% |
Ohio | $690 | -$306 | -30.7% |
Oklahoma | $1,024 | $28 | 2.8% |
Oregon | $914 | -$82 | -8.2% |
Pennsylvania | $952 | -$44 | -4.4% |
Rhode Island | $1,332 | $336 | 33.7% |
South Carolina | $904 | -$92 | -9.2% |
South Dakota | $842 | -$154 | -15.5% |
Tennessee | $874 | -$122 | -12.2% |
Texas | $1,202 | $206 | 20.7% |
Utah | $738 | -$258 | -25.9% |
Vermont | $682 | -$314 | -31.5% |
Virginia | $598 | -$398 | -40.0% |
Washington | $772 | -$224 | -22.5% |
West Virginia | $914 | -$82 | -8.2% |
Wisconsin | $690 | -$306 | -30.7% |
Wyoming | $890 | -$106 | -10.6% |
Using high physical damage deductibles could cut rates by as much as $250 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $421 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Hummer H3 Adventure Package 4WD | $980 | $82 |
Hummer H3 4WD | $980 | $82 |
Hummer H3 Luxury Package 4WD | $996 | $83 |
Hummer H3 Alpha 4WD | $1,014 | $85 |
Rates assume 2008 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 | $174 | $226 | $474 | $1,032 |
2008 Hummer H3 | $168 | $202 | $468 | $996 |
2006 Hummer H3 | $162 | $188 | $452 | $960 |
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 Find the Best Cheap Hummer H3 Insurance
Finding cheaper rates on Hummer H3 insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The list below is a quick review of the information raised in the charts and tables above.
- Drivers can save up to $110 per year just by shopping early and online
- Teenagers pay higher rates, costing up to $335 each month for full coverage
- Increasing comprehensive and collision deductibles can save around $250 each year
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,140 more every year for car insurance
- Drivers who may need higher liability limits will pay an extra $520 each year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,014 |
20 | $2,270 |
30 | $1,014 |
40 | $996 |
50 | $916 |
60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,156 |
$250 | $1,084 |
$500 | $996 |
$1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $996 |
50/100 | $1,108 |
100/300 | $1,225 |
250/500 | $1,529 |
100 CSL | $1,154 |
300 CSL | $1,412 |
500 CSL | $1,599 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,646 |
20 | $3,618 |
30 | $2,156 |
40 | $2,140 |
50 | $2,046 |
60 | $2,024 |
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 | $50 |
Multi-vehicle | $53 |
Homeowner | $18 |
5-yr Accident Free | $59 |
5-yr Claim Free | $62 |
Paid in Full/EFT | $35 |
Advance Quote | $43 |
Online Quote | $67 |
Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
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