Chevrolet HHR Insurance Rates

U.S. average insurance rates for a Chevrolet HHR are $944 a year with full coverage. Comprehensive costs approximately $156, collision costs $178, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing around $2,020. Teenage drivers pay the highest rates at $3,820 a year or more.

Average premium for full coverage: $944

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different HHR trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $582
• Choosing higher $1,000 deductibles can save $76 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $944
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,088
• High-risk insureds who are prone to accidents and violations could pay around $2,020 or more
• The price for full coverage for a teen driver with full coverage can cost $3,820 each year

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $220 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 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 anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each auto insurer 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 the Best Chevrolet HHR Insurance

Getting lower rates on Chevrolet HHR insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief recap of the material that was illustrated above.

• Drivers who purchase additional liability coverage will pay an extra $500 every year to raise limits from a low limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $318 a month for full coverage
• High-risk drivers who tend to receive serious violations pay on average $1,080 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $225 each year