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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Average insurance rates for a Chevrolet HHR are $944 a year including full coverage. Comprehensive insurance costs an estimated $156, collision costs $178, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,020 or more. Teens 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:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all HHR models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $504 for a discount liability-only rate to the much higher price of $2,020 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location impacts insurance prices.
These examples highlight why everyone should compare rates quotes for a targeted area and risk profile, 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.
Rates by State, City, and Model
The chart below breaks down estimated Chevrolet HHR insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $582
- Raising to $1,000 deductibles will save approximately $76 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $944
- Selecting pricier low deductibles will cost an extra $144 annually
- Drivers with serious driving violations could pay up to $2,020 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $3,820
Auto insurance rates for a Chevrolet HHR can also vary considerably based on your driver profile, the model of your HHR, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $3,800 a year. View Rates by Age
Where you live also has a big influence on Chevrolet HHR insurance prices. A middle-age driver might find rates as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,350 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,100 to $1,600 in extra premium per year, depending on your age. Chevrolet HHR insurance for high-risk drivers is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly different from one company to the next.
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 Find Affordable Chevrolet HHR Insurance
Saving money on insurance for a Chevrolet HHR consists of having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following items are a brief review of the car insurance concepts touched on above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,080 more annually than a driver with a clean driving record
- You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $225 each year
- Insureds who want additional liability coverage will pay approximately $500 per year to raise from a minimum limit to 250/500 limits
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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