Hummer H3 Insurance Rates

The average insurance prices for a Hummer H3 are $932 every 12 months for full coverage. Comprehensive costs on average $148, collision costs $180, and liability costs $446. Liability-only insurance costs as little as $500 a year, with high-risk driver insurance costing around $2,002. Teenage drivers cost the most to insure at $3,790 a year or more.

Average premium for full coverage: $932

Policy rates by type of insurance:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different H3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Hummer H3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $573
• Drivers who choose higher $1,000 deductibles will pay around $74 a year
• The average price for a good driver age 40 with $500 deductibles is $932
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,074
• Drivers who are prone to accidents and violations could pay upwards of $2,002 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $3,790 a year

View Chart as Image

Auto insurance rates for a Hummer H3 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your H3.

Using high physical damage deductibles could save up to $220 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can cost from 42% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Hummer H3 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,330 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Cheapest Hummer H3 Insurance

Finding cheaper rates on insurance for a Hummer H3 not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by getting quotes from direct carriers, and also from local independent and exclusive agents.

Below is a recap of the car insurance concepts touched on above.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,070 more each year for auto insurance
• Drivers can save as much as $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Insureds who require higher levels of liability will pay an extra $490 each year to go from a 30/60 limit to a 250/500 level