Hummer H3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $168
Collision $202
Liability $468

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.

Liability Only $518
Full Coverage $996
High Risk $2,140

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.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

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

View Chart as Image

Hummer H3 insurance cost comparison chart
Column chart showing Hummer H3 insurance prices range from $609 to $4,014 for full coverage

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.

Hummer H3 Insurance Rates by State
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%

View Chart as Image

Hummer H3 insurance rates by U.S. city

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

Hummer H3 Insurance Rates by Model and Trim Level
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.

Hummer H3 Insurance Rates by Model Year
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

Rates by Driver Age

Hummer H3 Insurance 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

Hummer H3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,084
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Hummer H3 Insurance Rates with Different Liability Limits
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

Hummer H3 Insurance 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.

SR-22 Surcharge $132

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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