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 including full coverage. Comprehensive costs an estimated $158 each year, collision costs $188, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,068. Teens receive the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Rate estimates broken down by individual coverage type:

Comprehensive $158
Collision $188
Liability $460

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and HHR models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the cheapest price of $510 for liability-only coverage to a high rate of $2,068 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

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

These examples highlight why all drivers should get quotes for a targeted area and their own driving history, 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 Charts and Tables

The chart below breaks down estimated Chevrolet HHR insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $591
  • Choosing higher $1,000 deductibles can save approximately $80 every year
  • The average price for a 40-year-old driver who has $500 deductibles is $964
  • Selecting low deductibles for comp and collision coverage increases the price to $1,114
  • Drivers with serious driving violations could pay up to $2,068 or more
  • The cost to insure a teenage driver can cost as much as $3,900 each 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 driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 a year, whereas increasing liability limits will increase premiums. Changing 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 only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers ranges around 41% to 127% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,380 on average in Louisiana, 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 best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, 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 Low Cost Chevrolet HHR Insurance

Saving money on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a review of the primary concepts that were raised in the charts and tables above.

  • You may be able to save approximately $110 per year simply by quoting online in advance
  • Drivers who have several accidents or serious violations may have to pay on average $1,100 more annually to insure a Chevrolet HHR
  • Increasing deductibles could save as much as $225 each year
  • Drivers under the age of 20 are expensive to insure, as much as $325 per month if full coverage is included

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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