Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Chevrolet HHR are $944 a year with full coverage. Comprehensive costs approximately $156, collision insurance costs $178, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,020. 16-year-old drivers pay the highest rates at up to $3,820 a year.

Average premium for full coverage: $944

Price estimates by individual coverage:

Comprehensive $156
Collision $178
Liability $452

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different HHR trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Chevrolet HHR insurance prices range from as low as $504 for minimum levels of liability insurance to a much higher rate of $2,020 for a high-risk driver policy.

Liability Only $504
Full Coverage $944
High Risk $2,020

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $708
Small Cities $991
Large Cities $1,274

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using rate averages.

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 Details

The chart below details average Chevrolet HHR insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $582
  • Choosing higher $1,000 deductibles can save $76 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $944
  • Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,088
  • Unlucky drivers with multiple tickets or accidents could pay around $2,020
  • The price for full coverage for a teen driver with full coverage can cost $3,820 each year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance rates range from $582 to $3,820 for full coverage

Car insurance prices for a Chevrolet HHR are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet HHR insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or at least $1,280 on average in New York, Michigan, and Florida.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$90 -9.5%
Alaska $726 -$218 -23.1%
Arizona $784 -$160 -16.9%
Arkansas $944 -$0 0.0%
California $1,076 $132 14.0%
Colorado $900 -$44 -4.7%
Connecticut $972 $28 3.0%
Delaware $1,068 $124 13.1%
Florida $1,182 $238 25.2%
Georgia $872 -$72 -7.6%
Hawaii $678 -$266 -28.2%
Idaho $640 -$304 -32.2%
Illinois $704 -$240 -25.4%
Indiana $710 -$234 -24.8%
Iowa $636 -$308 -32.6%
Kansas $898 -$46 -4.9%
Kentucky $1,288 $344 36.4%
Louisiana $1,396 $452 47.9%
Maine $582 -$362 -38.3%
Maryland $778 -$166 -17.6%
Massachusetts $754 -$190 -20.1%
Michigan $1,640 $696 73.7%
Minnesota $790 -$154 -16.3%
Mississippi $1,130 $186 19.7%
Missouri $836 -$108 -11.4%
Montana $1,014 $70 7.4%
Nebraska $744 -$200 -21.2%
Nevada $1,132 $188 19.9%
New Hampshire $680 -$264 -28.0%
New Jersey $1,056 $112 11.9%
New Mexico $836 -$108 -11.4%
New York $994 $50 5.3%
North Carolina $544 -$400 -42.4%
North Dakota $774 -$170 -18.0%
Ohio $654 -$290 -30.7%
Oklahoma $970 $26 2.8%
Oregon $864 -$80 -8.5%
Pennsylvania $900 -$44 -4.7%
Rhode Island $1,260 $316 33.5%
South Carolina $856 -$88 -9.3%
South Dakota $796 -$148 -15.7%
Tennessee $826 -$118 -12.5%
Texas $1,140 $196 20.8%
Utah $700 -$244 -25.8%
Vermont $646 -$298 -31.6%
Virginia $566 -$378 -40.0%
Washington $730 -$214 -22.7%
West Virginia $864 -$80 -8.5%
Wisconsin $654 -$290 -30.7%
Wyoming $842 -$102 -10.8%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $220 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges as much as 42% to 130% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet HHR LS $928 $77
Chevrolet HHR LT $928 $77
Chevrolet HHR SS $994 $83

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.

Chevrolet HHR Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Chevrolet HHR $166 $214 $474 $1,012
2010 Chevrolet HHR $162 $192 $468 $980
2009 Chevrolet HHR $158 $188 $460 $964
2008 Chevrolet HHR $156 $178 $452 $944
2007 Chevrolet HHR $142 $170 $446 $916

Rates are averaged for all Chevrolet HHR 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 Cheaper Chevrolet HHR Insurance

Getting lower rates on car insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a condensed summary of the information raised in the charts and tables above.

  • You may be able to save around $100 per year just by shopping early and online
  • Youthful drivers pay the highest auto insurance prices, costing up to $318 a month if full coverage is included
  • Increasing physical damage deductibles can save around $225 each year
  • Higher risk drivers with multiple at-fault accidents pay on average $1,080 more per year than a low-risk driver
  • Policyholders who purchase more liability protection will pay around $500 every year to raise limits from a low limit to 250/500 limits

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $3,820
20 $2,150
30 $958
40 $944
50 $868
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,024
$500 $944
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $1,084
100/300 $1,197
250/500 $1,491
100 CSL $1,130
300 CSL $1,378
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,364
20 $3,416
30 $2,034
40 $2,020
50 $1,932
60 $1,912

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 $123

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $63
Total Discounts $362
Rate after discounts $582

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

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