Chevrolet HHR Insurance Rates

Estimated insurance rates for a Chevrolet HHR are $944 a year including full coverage. Comprehensive insurance costs approximately $156, collision costs $178, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $2,020 or more. Teenage drivers pay the most at $3,820 a year or more.

Average premium for full coverage: $944

Premium estimates by type of coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all HHR models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

• The best discount rate is $582
• Using higher $1,000 deductibles will save $76 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $944
• Using pricier low deductibles for physical damage coverage will cost an additional $144 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,020 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $3,820 or more

View Chart as Image

Insurance prices for a Chevrolet HHR also have a wide range based on the model of your HHR, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Chevrolet HHR insurance for high-risk drivers can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $220 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

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 uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Chevrolet HHR Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a condensed summary of the data touched on above.

• Consumers who purchase higher liability limits will pay an extra $500 per year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $225 each year
• Teens are expensive to insure, with the cost nearing $318 per month if full coverage is included