Chevrolet HHR Insurance Rates

Average insurance rates for a Chevrolet HHR are $944 a year for full coverage insurance. Comprehensive costs an estimated $156 a year, collision costs $178, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $2,020. Teenage drivers receive the highest rates at $3,820 a year or more.

Average premium for full coverage: $944

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and HHR trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

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

These examples illustrate why it is important to compare prices for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $582
• Using higher $1,000 deductibles will save approximately $868 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $944
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,088
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,020 or more
• The cost that insures a teenage driver can cost as much as $3,820 or more

View Chart as Image

Insurance rates for a Chevrolet HHR can also vary considerably based on the trim level of your HHR, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,800 a year. View Rates by Age

Where you live has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see rates as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,280 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $220 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 the Best Chevrolet HHR Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a brief recap of the data that was raised in the charts and tables above.

• It is possible to save approximately $100 per year simply by quoting early and online
• Consumers who want higher liability limits will pay an extra $500 annually to increase from a minimum limit to the 250/500 level
• Teens are expensive to insure, costing up to $318 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may have to pay on average $1,080 more annually for HHR insurance