Chevrolet HHR Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 an estimated $158 each year, collision costs $188, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers 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 broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and HHR models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $510 for just liability insurance to a high rate of $2,068 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples show why all drivers should get quotes for a targeted area, instead of making a decision based on 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.
More Rate Details
The chart below shows estimated Chevrolet HHR insurance rates for other coverage scenarios.
- The lowest rate with discounts is $591
- Choosing higher $1,000 deductibles can save approximately $80 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $964
- Choosing low deductibles for comp and collision coverage will cost an additional $150 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,068 or more
- The cost that insures a 16-year-old driver can cost as much as $3,900 each year
Insurance rates for a Chevrolet HHR can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers ranges from 41% to 127% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Chevrolet HHR insurance prices. 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.
| 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% |
Choosing high deductibles can save as much as $230 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 insurance for a Chevrolet HHR takes being a good driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,100 more annually than a safer driver
- Drivers can save approximately $110 per year simply by quoting online in advance
- Increasing deductibles can save approximately $225 each year
- Insureds who want an increased level of liability coverage will pay about $510 each year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,046 |
| $500 | $964 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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