Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance prices for a Chevrolet HHR are $964 every 12 months for full coverage insurance. Comprehensive costs approximately $158 each year, collision costs $188, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,068. Teenage drivers receive the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Comprehensive $158
Collision $188
Liability $460

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and HHR models.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $510 for liability-only coverage to a high rate of $2,068 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $964
High Risk $2,068

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

These examples illustrate why all drivers should compare rates using their specific location and their own driving history, instead of using average rates.

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 Charts and Tables

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

  • The best discount rate is $591
  • Drivers who choose higher $1,000 deductibles will pay $80 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $964
  • Using low deductibles for comprehensive and collision insurance increases the price to $1,114
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,068 or more
  • The cost to insure a teen driver can cost $3,900 a year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing full coverage Chevrolet HHR insurance rates range from $591 to $3,900

Insurance rates for a Chevrolet HHR can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your HHR.

Using high physical damage deductibles could save up to $230 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 127% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Chevrolet HHR insurance prices. A 40-year-old driver could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $874 -$90 -9.3%
Alaska $740 -$224 -23.2%
Arizona $802 -$162 -16.8%
Arkansas $964 -$0 0.0%
California $1,098 $134 13.9%
Colorado $924 -$40 -4.1%
Connecticut $990 $26 2.7%
Delaware $1,092 $128 13.3%
Florida $1,206 $242 25.1%
Georgia $890 -$74 -7.7%
Hawaii $692 -$272 -28.2%
Idaho $654 -$310 -32.2%
Illinois $718 -$246 -25.5%
Indiana $726 -$238 -24.7%
Iowa $650 -$314 -32.6%
Kansas $916 -$48 -5.0%
Kentucky $1,316 $352 36.5%
Louisiana $1,426 $462 47.9%
Maine $596 -$368 -38.2%
Maryland $794 -$170 -17.6%
Massachusetts $772 -$192 -19.9%
Michigan $1,676 $712 73.9%
Minnesota $808 -$156 -16.2%
Mississippi $1,154 $190 19.7%
Missouri $854 -$110 -11.4%
Montana $1,036 $72 7.5%
Nebraska $760 -$204 -21.2%
Nevada $1,156 $192 19.9%
New Hampshire $696 -$268 -27.8%
New Jersey $1,080 $116 12.0%
New Mexico $854 -$110 -11.4%
New York $1,016 $52 5.4%
North Carolina $556 -$408 -42.3%
North Dakota $790 -$174 -18.0%
Ohio $668 -$296 -30.7%
Oklahoma $990 $26 2.7%
Oregon $884 -$80 -8.3%
Pennsylvania $920 -$44 -4.6%
Rhode Island $1,288 $324 33.6%
South Carolina $874 -$90 -9.3%
South Dakota $814 -$150 -15.6%
Tennessee $844 -$120 -12.4%
Texas $1,162 $198 20.5%
Utah $714 -$250 -25.9%
Vermont $660 -$304 -31.5%
Virginia $578 -$386 -40.0%
Washington $746 -$218 -22.6%
West Virginia $884 -$80 -8.3%
Wisconsin $668 -$296 -30.7%
Wyoming $862 -$102 -10.6%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly different.

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 $948 $79
Chevrolet HHR LT $948 $79
Chevrolet HHR SS $1,014 $85

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 $176 $236 $474 $1,044
2010 Chevrolet HHR $166 $214 $474 $1,012
2009 Chevrolet HHR $162 $192 $468 $980
2008 Chevrolet HHR $158 $188 $460 $964
2007 Chevrolet HHR $156 $178 $452 $944

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 Shop for the Best Cheap Chevrolet HHR Insurance

Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a quick review of the ideas that were touched on above.

  • Drivers age 20 and younger are the costliest to insure, costing up to $325 per month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,100 more per year to buy Chevrolet HHR insurance
  • Increasing deductibles could save as much as $225 each year
  • It is possible to save around $110 per year simply by quoting online in advance

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $3,900
20 $2,198
30 $978
40 $964
50 $886
60 $866

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,046
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $964
50/100 $1,106
100/300 $1,221
250/500 $1,520
100 CSL $1,152
300 CSL $1,405
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,480
20 $3,496
30 $2,082
40 $2,068
50 $1,976
60 $1,956

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $373
Rate after discounts $591

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

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