Chevrolet HHR Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Chevrolet HHR are $944 every 12 months with full coverage. Comprehensive costs on average $156, collision costs $178, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $2,020. Teens pay the most at $3,820 a year or more.
Average premium for full coverage: $944
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all HHR models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Chevrolet HHR go from the cheapest price of $504 for just liability insurance to the much higher price of $2,020 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on car insurance rates.
These rate differences demonstrate why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on 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.
More Rate Details
The chart below details estimated Chevrolet HHR insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $582
- Choosing higher $1,000 deductibles can save around $76 annually
- The average price for a 40-year-old good driver with $500 deductibles is $944
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,088
- Higher-risk drivers with serious driving violations could pay upwards of $2,020 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $3,820 each year
Insurance prices for a Chevrolet HHR also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your HHR.
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 additional annually, depending on your age. Chevrolet HHR insurance for high-risk drivers ranges from 42% to 130% more than the average policy. View High Risk Driver Rates
Where you choose to live 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 New Hampshire, Ohio, and Utah, or have to pay at least $1,280 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Low Cost Chevrolet HHR Insurance
Finding better rates on insurance for a Chevrolet HHR takes being a low-risk driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates every year by getting quotes from direct companies, and also from local exclusive and independent agents.
The items below are a review of the coverage data covered in the above illustrations.
- You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $225 each year
- Teen drivers pay higher prices, possibly costing $318 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,080 more each year to insure their HHR
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,088 |
| $250 | $1,024 |
| $500 | $944 |
| $1,000 | $868 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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