Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance rates for a Chevrolet HHR are $964 a year for full coverage. Comprehensive insurance costs approximately $158, collision costs $188, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,068 or more. Teen drivers receive the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Comprehensive $158
Collision $188
Liability $460

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different HHR trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $510 for minimum levels of liability insurance to a much higher rate of $2,068 for a high-risk insurance policy.

Liability Only $510
Full Coverage $964
High Risk $2,068

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

These examples show why anyone shopping for car insurance should get quotes using their specific location and risk profile, 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 shows estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $591
  • Choosing higher $1,000 deductibles can save $80 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $964
  • Choosing more expensive low deductibles for comp and collision coverage will cost an extra $150 each year
  • Drivers with multiple violations and an at-fault accident could pay around $2,068 or more
  • The cost for full coverage for a teenage driver with full coverage can cost $3,900 each year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing full coverage Chevrolet HHR insurance prices range from $591 to $3,900

Car insurance rates for a Chevrolet HHR can also vary considerably based on your driver profile, the trim level of your HHR, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, and Michigan.

Chevrolet HHR Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $874 -$90 -9.3%
Alaska $740 -$224 -23.2%
Arizona $802 -$162 -16.8%
Arkansas $964 -$0 0.0%
California $1,098 $134 13.9%
Colorado $924 -$40 -4.1%
Connecticut $990 $26 2.7%
Delaware $1,092 $128 13.3%
Florida $1,206 $242 25.1%
Georgia $890 -$74 -7.7%
Hawaii $692 -$272 -28.2%
Idaho $654 -$310 -32.2%
Illinois $718 -$246 -25.5%
Indiana $726 -$238 -24.7%
Iowa $650 -$314 -32.6%
Kansas $916 -$48 -5.0%
Kentucky $1,316 $352 36.5%
Louisiana $1,426 $462 47.9%
Maine $596 -$368 -38.2%
Maryland $794 -$170 -17.6%
Massachusetts $772 -$192 -19.9%
Michigan $1,676 $712 73.9%
Minnesota $808 -$156 -16.2%
Mississippi $1,154 $190 19.7%
Missouri $854 -$110 -11.4%
Montana $1,036 $72 7.5%
Nebraska $760 -$204 -21.2%
Nevada $1,156 $192 19.9%
New Hampshire $696 -$268 -27.8%
New Jersey $1,080 $116 12.0%
New Mexico $854 -$110 -11.4%
New York $1,016 $52 5.4%
North Carolina $556 -$408 -42.3%
North Dakota $790 -$174 -18.0%
Ohio $668 -$296 -30.7%
Oklahoma $990 $26 2.7%
Oregon $884 -$80 -8.3%
Pennsylvania $920 -$44 -4.6%
Rhode Island $1,288 $324 33.6%
South Carolina $874 -$90 -9.3%
South Dakota $814 -$150 -15.6%
Tennessee $844 -$120 -12.4%
Texas $1,162 $198 20.5%
Utah $714 -$250 -25.9%
Vermont $660 -$304 -31.5%
Virginia $578 -$386 -40.0%
Washington $746 -$218 -22.6%
West Virginia $884 -$80 -8.3%
Wisconsin $668 -$296 -30.7%
Wyoming $862 -$102 -10.6%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges around 41% to 127% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet HHR LS $948 $79
Chevrolet HHR LT $948 $79
Chevrolet HHR SS $1,014 $85

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.

Chevrolet HHR Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Chevrolet HHR $176 $236 $474 $1,044
2010 Chevrolet HHR $166 $214 $474 $1,012
2009 Chevrolet HHR $162 $192 $468 $980
2008 Chevrolet HHR $158 $188 $460 $964
2007 Chevrolet HHR $156 $178 $452 $944

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 Cheap Chevrolet HHR Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a brief summary of the car insurance concepts touched on in this article.

  • Drivers that tend to have accidents or serious violations may pay on average $1,100 more per year for car insurance
  • Drivers can save around $110 per year simply by shopping early and online
  • Increasing deductibles can save around $225 each year
  • Consumers who purchase higher liability limits will pay about $510 each year to raise limits from a minimum limit to 250/500 limits

Rates by Driver Age

Chevrolet HHR Insurance Rates by Driver Age
Driver Age Premium
16 $3,900
20 $2,198
30 $978
40 $964
50 $886
60 $866

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,046
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $964
50/100 $1,106
100/300 $1,221
250/500 $1,520
100 CSL $1,152
300 CSL $1,405
500 CSL $1,589

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet HHR Insurance Rates for High Risk Drivers
Age Premium
16 $5,480
20 $3,496
30 $2,082
40 $2,068
50 $1,976
60 $1,956

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.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $373
Rate after discounts $591

Discounts are estimated and may not be available from every company or in every state.

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