Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated auto insurance rates for a Hummer H3 are $1,032 annually including full coverage. Comprehensive insurance costs approximately $174, collision costs $226, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing $2,214 or more. Teens pay the most at $4,132 a year or more.
Average premium for full coverage: $1,032
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all H3 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Hummer H3 go from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,214 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.
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 estimated Hummer H3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $626
- Using higher $1,000 deductibles will save $92 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,032
- Selecting pricier low deductibles for physical damage coverage costs an additional $172 each year
- Higher-risk drivers with serious driving violations could pay around $2,214 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost $4,132 or more
Car insurance prices for a Hummer H3 also have a wide range based on the model of your H3, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Hummer H3 insurance for high-risk drivers can be around 41% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $270 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Hummer H3 insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,470 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $932 | -$100 | -9.7% |
| Alaska | $788 | -$244 | -23.6% |
| Arizona | $856 | -$176 | -17.1% |
| Arkansas | $1,032 | -$0 | 0.0% |
| California | $1,176 | $144 | 14.0% |
| Colorado | $986 | -$46 | -4.5% |
| Connecticut | $1,060 | $28 | 2.7% |
| Delaware | $1,168 | $136 | 13.2% |
| Florida | $1,290 | $258 | 25.0% |
| Georgia | $950 | -$82 | -7.9% |
| Hawaii | $740 | -$292 | -28.3% |
| Idaho | $696 | -$336 | -32.6% |
| Illinois | $768 | -$264 | -25.6% |
| Indiana | $774 | -$258 | -25.0% |
| Iowa | $694 | -$338 | -32.8% |
| Kansas | $980 | -$52 | -5.0% |
| Kentucky | $1,406 | $374 | 36.2% |
| Louisiana | $1,524 | $492 | 47.7% |
| Maine | $636 | -$396 | -38.4% |
| Maryland | $848 | -$184 | -17.8% |
| Massachusetts | $824 | -$208 | -20.2% |
| Michigan | $1,790 | $758 | 73.4% |
| Minnesota | $860 | -$172 | -16.7% |
| Mississippi | $1,234 | $202 | 19.6% |
| Missouri | $914 | -$118 | -11.4% |
| Montana | $1,106 | $74 | 7.2% |
| Nebraska | $812 | -$220 | -21.3% |
| Nevada | $1,236 | $204 | 19.8% |
| New Hampshire | $740 | -$292 | -28.3% |
| New Jersey | $1,152 | $120 | 11.6% |
| New Mexico | $914 | -$118 | -11.4% |
| New York | $1,086 | $54 | 5.2% |
| North Carolina | $594 | -$438 | -42.4% |
| North Dakota | $844 | -$188 | -18.2% |
| Ohio | $712 | -$320 | -31.0% |
| Oklahoma | $1,060 | $28 | 2.7% |
| Oregon | $942 | -$90 | -8.7% |
| Pennsylvania | $986 | -$46 | -4.5% |
| Rhode Island | $1,372 | $340 | 32.9% |
| South Carolina | $932 | -$100 | -9.7% |
| South Dakota | $870 | -$162 | -15.7% |
| Tennessee | $904 | -$128 | -12.4% |
| Texas | $1,242 | $210 | 20.3% |
| Utah | $762 | -$270 | -26.2% |
| Vermont | $706 | -$326 | -31.6% |
| Virginia | $618 | -$414 | -40.1% |
| Washington | $798 | -$234 | -22.7% |
| West Virginia | $942 | -$90 | -8.7% |
| Wisconsin | $714 | -$318 | -30.8% |
| Wyoming | $918 | -$114 | -11.0% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hummer H3 Adventure Package 4WD | $1,012 | $84 |
| Hummer H3 4WD | $1,012 | $84 |
| Hummer H3 Luxury Package 4WD | $1,032 | $86 |
| Hummer H3 Alpha 4WD | $1,050 | $88 |
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 | $184 | $248 | $474 | $1,064 |
| 2008 Hummer H3 | $174 | $226 | $474 | $1,032 |
| 2006 Hummer H3 | $166 | $198 | $460 | $982 |
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 Buy Cheap Hummer H3 Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, refrain from filing small claims, and avoiding coverage lapses. Make time to compare rates every year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a brief summary of the coverage data touched on in this article.
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $275 each year
- Drivers under the age of 20 pay the highest auto insurance prices, with the cost nearing $344 per month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations may have to pay on average $1,180 more per year to insure a Hummer H3
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,132 |
| 20 | $2,352 |
| 30 | $1,050 |
| 40 | $1,032 |
| 50 | $944 |
| 60 | $924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,204 |
| $250 | $1,124 |
| $500 | $1,032 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,032 |
| 50/100 | $1,145 |
| 100/300 | $1,263 |
| 250/500 | $1,571 |
| 100 CSL | $1,192 |
| 300 CSL | $1,453 |
| 500 CSL | $1,643 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,822 |
| 20 | $3,750 |
| 30 | $2,236 |
| 40 | $2,214 |
| 50 | $2,120 |
| 60 | $2,098 |
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 | $52 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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