Hummer H3 Insurance Rates

U.S. average insurance rates for a Hummer H3 are $932 a year including full coverage. Comprehensive insurance costs around $148 a year, collision costs $180, and liability insurance costs $446. Liability-only coverage costs as little as $500 a year, with high-risk coverage 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 for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and H3 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Hummer H3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $573
• Drivers who choose higher $1,000 deductibles will pay about $858 every year
• The estimated price for the average middle-age driver using $500 deductibles is $932
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $142 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,002 or more
• The price that insures a teen driver can be $3,790 a year

View Chart as Image

Auto insurance prices for a Hummer H3 are also quite variable based on the trim level of your H3, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

The state you live in makes a big difference in Hummer H3 insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,330 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $220 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different.

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 Hummer H3 insurance not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a brief recap of the primary concepts that were covered above.

• You may be able to save up to $100 per year simply by quoting early and online
• High-risk drivers who tend to receive serious violations may have to pay on average $1,070 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $225 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $316 a month if the policy includes full coverage