Chevrolet HHR Insurance Rates

U.S. average insurance rates for a Chevrolet HHR are $964 a year with full coverage. Comprehensive insurance costs on average $158, collision costs $188, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $2,068 or more. Teenage drivers pay the highest rates at $3,900 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different HHR trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Chevrolet HHR insurance rates for different risk profiles and scenarios.

• The best discount rate is $591
• Drivers who choose higher $1,000 deductibles will pay around $80 annually
• The average rate for the average middle-age driver with $500 deductibles is $964
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $150 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,068 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $3,900 a year

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Insurance prices for a Chevrolet HHR are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet HHR insurance prices. A 40-year-old driver could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles could save up to $230 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost from 41% to 127% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Chevrolet HHR Insurance

Getting lower rates on insurance for a Chevrolet HHR not only requires avoiding accidents and claims, but also maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates every couple of years by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The points below are a brief review of the material that was covered in the charts and tables above.

• Insureds who require increased liability limits will pay an extra $510 every year to go from a low limit to 250/500 limits
• Drivers under the age of 20 pay the highest prices, costing up to $325 a month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,100 more each year to insure a Chevrolet HHR
• Increasing physical damage deductibles can save around $225 each year