Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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The average auto insurance rates for a Chevrolet HHR are $944 annually including full coverage. Comprehensive costs approximately $156 each year, collision insurance costs $178, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,020. Teens cost the most to insure at up to $3,820 a year.
Average premium for full coverage: $944
Policy rates by type of insurance:
Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and HHR models.
Price Range Variability
For a driver in their 40's, Chevrolet HHR insurance rates range from as cheap as $504 for the bare minimum liability coverage to a high rate of $2,020 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
The examples above highlight why all drivers should get quotes using their specific location and their own personal driving habits, 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 Rate Information
The chart below breaks down average Chevrolet HHR insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $582
- Choosing higher $1,000 deductibles can save $76 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $944
- Selecting low deductibles for comp and collision coverage will cost $1,088
- Drivers with serious driving violations could pay around $2,020
- Policy cost with full coverage for a teenage driver can cost $3,820 each year
Insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay 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% |
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 Buy Affordable Chevrolet HHR Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a brief review of the ideas that were covered in the charts and tables above.
- Teens are expensive to insure, with premiums being up to $318 each month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may have to pay on average $1,080 more per year for HHR insurance
- Increasing comprehensive and collision deductibles could save up to $225 each year
- You may be able to save around $100 per year just by quoting online in advance
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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