Chevrolet HHR Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Chevrolet HHR are $964 a year including full coverage. Comprehensive insurance costs approximately $158 a year, collision insurance costs $188, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,068 or more. Teenage drivers pay the highest rates at up to $3,900 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Comprehensive $158
Collision $188
Liability $460

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and HHR trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Chevrolet HHR insurance prices range from as low as $510 for just the minimum liability insurance to a high of $2,068 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $964
High Risk $2,068

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

The ranges above highlight why it is important to compare rates quotes using their specific location and risk profile, rather than using average rates.

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.

Additional Rate Analysis

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

  • The best discount rate is $591
  • Raising to $1,000 deductibles will save $884 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $964
  • Using low $100 deductibles will cost an extra $150 each year
  • Unlucky drivers who are prone to accidents and violations could pay around $2,068
  • The price for full coverage for a teenage driver can cost $3,900

View Chart as Image

Chevrolet HHR insurance cost comparison chart
Column chart showing Chevrolet HHR insurance prices range from $591 to $3,900 for full coverage

Auto insurance prices for a Chevrolet HHR are also quite variable based on your driving record, the model of your HHR, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in also has a big influence on Chevrolet HHR insurance rates. A middle-age driver might find prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,380 on average in Louisiana, New York, and Michigan.

Chevrolet HHR Insurance Rates by State
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%

View Chart as Image

Chevrolet HHR insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $230 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 127% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Chevrolet HHR Insurance Rates by Model and Trim Level
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.

Chevrolet HHR Insurance Rates by Model Year
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 Cheaper Chevrolet HHR Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having good credit, being claim-free, and possibly higher deductibles. Set aside time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a condensed summary of the concepts that were raised in the charts and tables above.

  • Drivers with multiple at-fault accidents could be forced to pay on average $1,100 more per year than a low-risk driver
  • Youthful drivers have the highest car insurance prices, possibly costing $325 a month if they have full coverage
  • You may be able to save around $110 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $225 each year
  • You may be able to save around $110 per year just by quoting early and online

Rates by Driver Age

Chevrolet HHR Insurance 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

Chevrolet HHR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,114
$250 $1,046
$500 $964
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet HHR Insurance Rates with Different Liability Limits
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

Chevrolet HHR Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $591

Discounts are estimated and may not be available from every company or in every state.

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