Chevrolet HHR Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated auto insurance rates for a Chevrolet HHR are $944 annually with full coverage. Comprehensive costs around $156, collision insurance costs $178, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,020. 16-year-old drivers pay the most at up to $3,820 a year.
Average premium for full coverage: $944
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all HHR models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet HHR range from as cheap as $504 for your basic liability-only policy to the much higher price of $2,020 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on rate 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.
More Rate Information
The chart below details average Chevrolet HHR insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $582
- Choosing higher $1,000 deductibles can save about $76 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $944
- Buying pricier low deductibles for comp and collision coverage will cost $1,088
- High-risk insureds with multiple tickets or accidents could pay at least $2,020
- An auto insurance policy with full coverage for a teen driver for full coverage can be $3,820 each year
Insurance prices for a Chevrolet HHR also have a wide range based on the model of your HHR, your driving record, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,100 to $1,600 additional annually, depending on your age. Chevrolet HHR insurance for high-risk drivers ranges anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $220 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or 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% |
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 the Cheapest Chevrolet HHR Insurance
Finding better rates on Chevrolet HHR insurance takes having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The following items are a recap of the data covered in the charts and tables above.
- Drivers who may need additional liability coverage will pay around $500 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $225 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $318 per month if they have full coverage
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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