Chevrolet HHR Insurance Rates

The average insurance rates for a Chevrolet HHR are $964 a year for full coverage insurance. Comprehensive insurance costs approximately $158, collision insurance costs $188, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,068 or more. Teenage drivers cost the most to insure at up to $3,900 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all HHR models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Chevrolet HHR insurance rates for additional coverage and risk scenarios.

• The best discount rate is $591
• Using higher $1,000 deductibles will save $80 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $964
• Using pricier low deductibles for physical damage coverage will cost an additional $150 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,068
• Policy cost that insures a 16-year-old driver for full coverage can cost $3,900 or more

View Chart as Image

Auto insurance rates for a Chevrolet HHR also range considerably based on the model of your HHR, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Chevrolet HHR insurance for high-risk drivers can be from 41% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state has a huge impact on Chevrolet HHR insurance prices. A driver around age 40 might see rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $230 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on insurance for a Chevrolet HHR requires being a low-risk driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief recap of the information covered in the above illustrations.

• It is possible to save around $110 per year just by quoting online well ahead of the renewal date
• Teen drivers have the highest car insurance rates, possibly costing $325 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,100 more per year to insure their HHR
• Insureds who purchase more liability coverage will pay an extra $510 annually to increase from a 30/60 limit to the 250/500 level