Chevrolet HHR Insurance Rates
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Michelle Robbins
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UPDATED: Jun 4, 2023
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The average auto insurance rates for a Chevrolet HHR are $964 annually with full coverage. Comprehensive costs an estimated $158, collision insurance costs $188, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,068. 16-year-old drivers cost the most to insure at up to $3,900 a year.
Average premium for full coverage: $964
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all HHR models.
Price Range Variability
For the normal driver, Chevrolet HHR insurance rates range from as cheap as $510 for a discount liability-only rate to the much higher price of $2,068 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The example below illustrates how geographic area affects insurance prices.
The examples above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using rate 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.
Rates by State, City, and Model
The chart below details average Chevrolet HHR insurance rates for other coverage scenarios.
- The best full coverage rate is $591
- Choosing higher $1,000 deductibles can save approximately $80 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $964
- Buying pricier low deductibles for comp and collision coverage will cost $1,114
- Drivers with multiple tickets or accidents could pay up to $2,068
- Policy cost with full coverage for a teenage driver for full coverage can cost as much as $3,900 each year
Auto insurance rates for a Chevrolet HHR also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. Chevrolet HHR insurance for high-risk drivers ranges around 41% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $230 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Chevrolet HHR insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.
| 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% |
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 Buy the Right Chevrolet HHR Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the coverage data presented in the illustrations above.
- You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Teenagers are the costliest to insure, as much as $325 each month if full coverage is included
- Drivers with reckless driving or DUI convictions pay on average $1,100 more annually for car insurance
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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