Chevrolet HHR Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average auto insurance rates for a Chevrolet HHR are $944 annually with full coverage. Comprehensive insurance costs approximately $156, collision costs $178, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,020 or more. Teenage drivers receive the highest rates at $3,820 a year or more.

Average premium for full coverage: $944

Rate estimates by individual coverage type:

Comprehensive $156
Collision $178
Liability $452

Estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different HHR trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $504 for a discount liability-only rate to a much higher rate of $2,020 for a high-risk insurance policy.

Liability Only $504
Full Coverage $944
High Risk $2,020

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $708
Small Cities $991
Large Cities $1,274

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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 details estimated Chevrolet HHR insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $582
  • Drivers who choose higher $1,000 deductibles will pay $76 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $944
  • Using more expensive low deductibles for comprehensive and collision insurance costs an additional $144 each year
  • High-risk insureds who are prone to accidents and violations could pay around $2,020 or more
  • The cost with full coverage for a teenage driver with full coverage can cost $3,820 a year

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing full coverage Chevrolet HHR insurance prices range from $582 to $3,820

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

An older driver with no driving violations and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $220 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet HHR insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.

Chevrolet HHR Insurance Rates by State
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%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 $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.

Chevrolet HHR Insurance Rates by Model Year
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 Low Cost Chevrolet HHR Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a review of the car insurance concepts covered in the charts and tables above.

  • Drivers who have several accidents or serious violations may pay on average $1,080 more per year for HHR insurance
  • You may be able to save around $100 per year simply by shopping early and online
  • Increasing deductibles could save up to $225 each year
  • Consumers who purchase higher liability limits will pay an extra $500 every year to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Chevrolet HHR Insurance 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

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,024
$500 $944
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
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

Chevrolet HHR Insurance 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.

SR-22 Surcharge $123

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
Rate after discounts $582

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles