Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Chevrolet HHR are $1,044 a year including full coverage. Comprehensive costs an estimated $176, collision insurance costs $236, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs around $2,246. Teen drivers pay the most at up to $4,174 a year.
Average premium for full coverage: $1,044
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different HHR trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet HHR range from the low end price of $522 for minimum levels of liability insurance to a much higher rate of $2,246 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using price averages.
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 Details
The chart below breaks down average Chevrolet HHR insurance rates for other coverage scenarios.
- The lowest rate with discounts is $632
- Using higher $1,000 deductibles will save approximately $94 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,044
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,222
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,246
- An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,174 or more
Car insurance prices for a Chevrolet HHR also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,200 to $1,800 extra annually, depending on your age. High-risk driver insurance can be around 43% to 128% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age
Where you choose to live has a huge impact on Chevrolet HHR insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,490 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $944 | -$100 | -9.6% |
| Alaska | $800 | -$244 | -23.4% |
| Arizona | $866 | -$178 | -17.0% |
| Arkansas | $1,044 | -$0 | 0.0% |
| California | $1,190 | $146 | 14.0% |
| Colorado | $996 | -$48 | -4.6% |
| Connecticut | $1,074 | $30 | 2.9% |
| Delaware | $1,182 | $138 | 13.2% |
| Florida | $1,306 | $262 | 25.1% |
| Georgia | $964 | -$80 | -7.7% |
| Hawaii | $750 | -$294 | -28.2% |
| Idaho | $706 | -$338 | -32.4% |
| Illinois | $778 | -$266 | -25.5% |
| Indiana | $786 | -$258 | -24.7% |
| Iowa | $706 | -$338 | -32.4% |
| Kansas | $994 | -$50 | -4.8% |
| Kentucky | $1,426 | $382 | 36.6% |
| Louisiana | $1,544 | $500 | 47.9% |
| Maine | $646 | -$398 | -38.1% |
| Maryland | $860 | -$184 | -17.6% |
| Massachusetts | $836 | -$208 | -19.9% |
| Michigan | $1,814 | $770 | 73.8% |
| Minnesota | $874 | -$170 | -16.3% |
| Mississippi | $1,250 | $206 | 19.7% |
| Missouri | $926 | -$118 | -11.3% |
| Montana | $1,122 | $78 | 7.5% |
| Nebraska | $824 | -$220 | -21.1% |
| Nevada | $1,252 | $208 | 19.9% |
| New Hampshire | $752 | -$292 | -28.0% |
| New Jersey | $1,168 | $124 | 11.9% |
| New Mexico | $924 | -$120 | -11.5% |
| New York | $1,100 | $56 | 5.4% |
| North Carolina | $602 | -$442 | -42.3% |
| North Dakota | $854 | -$190 | -18.2% |
| Ohio | $720 | -$324 | -31.0% |
| Oklahoma | $1,074 | $30 | 2.9% |
| Oregon | $956 | -$88 | -8.4% |
| Pennsylvania | $996 | -$48 | -4.6% |
| Rhode Island | $1,392 | $348 | 33.3% |
| South Carolina | $946 | -$98 | -9.4% |
| South Dakota | $882 | -$162 | -15.5% |
| Tennessee | $914 | -$130 | -12.5% |
| Texas | $1,258 | $214 | 20.5% |
| Utah | $772 | -$272 | -26.1% |
| Vermont | $716 | -$328 | -31.4% |
| Virginia | $626 | -$418 | -40.0% |
| Washington | $808 | -$236 | -22.6% |
| West Virginia | $956 | -$88 | -8.4% |
| Wisconsin | $724 | -$320 | -30.7% |
| Wyoming | $932 | -$112 | -10.7% |
Choosing high deductibles could cut prices by as much as $280 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet HHR LS | $1,024 | $85 |
| Chevrolet HHR LT | $1,024 | $85 |
| Chevrolet HHR SS | $1,104 | $92 |
Rates assume 2010 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 | $190 | $258 | $478 | $1,084 |
| 2010 Chevrolet HHR | $176 | $236 | $474 | $1,044 |
| 2009 Chevrolet HHR | $166 | $214 | $474 | $1,012 |
| 2008 Chevrolet HHR | $162 | $192 | $468 | $980 |
| 2007 Chevrolet HHR | $158 | $188 | $460 | $964 |
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
Finding better rates on auto insurance requires being a safe and courteous driver, having a positive credit history, refrain from filing small claims, and possibly higher deductibles. Shop around every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a brief review of the information covered in the charts and tables above.
- You may be able to save approximately $120 per year just by shopping early and online
- Teenage drivers have the highest car insurance prices, with the cost nearing $348 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $275 each year
- Drivers with DUI or reckless driving convictions could be charged and average of $1,200 more annually for auto insurance
- Consumers who want higher levels of liability will pay about $520 per year to increase from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,174 |
| 20 | $2,384 |
| 30 | $1,064 |
| 40 | $1,044 |
| 50 | $958 |
| 60 | $938 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,222 |
| $250 | $1,142 |
| $500 | $1,044 |
| $1,000 | $950 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,044 |
| 50/100 | $1,199 |
| 100/300 | $1,317 |
| 250/500 | $1,625 |
| 100 CSL | $1,246 |
| 300 CSL | $1,507 |
| 500 CSL | $1,697 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,886 |
| 20 | $3,804 |
| 30 | $2,266 |
| 40 | $2,246 |
| 50 | $2,148 |
| 60 | $2,124 |
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 | $53 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $71 |
| Total Discounts | $412 |
Discounts are estimated and may not be available from every company or in every state.
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