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Insurance for HUMMER Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 8, 2020

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The table below shows estimated insurance rates for some models of HUMMER vehicles. Some additional models are listed at the bottom of the page

Insurance Rates for HUMMER Vehicles
Vehicle Model Annual Premium Monthly Premium
HUMMER H3 $1,472 $123
HUMMER H3T $1,472 $123
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for HUMMER vehicles
Column chart showing average insurance prices for HUMMER vehicles range from $845 to $5,358 for full coverage

The chart above utilizes the average rating data for all HUMMER vehicles in the above table to show how different scenarios can influence car insurance prices.

Insurance rates for a HUMMER can vary considerably based on the trim level of your H3T, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 129% more than average.

View Chart as Image

HUMMER insurance by risk and age

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year.

Where you live also has a big influence on HUMMER insurance prices. A middle-age driver might find rates as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and California.

HUMMER Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,332 -$140 -9.5%
Alaska $1,132 -$340 -23.1%
Arizona $1,222 -$250 -17.0%
Arkansas $1,472 -$0 0.0%
California $1,680 $208 14.1%
Colorado $1,410 -$62 -4.2%
Connecticut $1,514 $42 2.9%
Delaware $1,668 $196 13.3%
Florida $1,844 $372 25.3%
Georgia $1,360 -$112 -7.6%
Hawaii $1,058 -$414 -28.1%
Idaho $996 -$476 -32.3%
Illinois $1,098 -$374 -25.4%
Indiana $1,110 -$362 -24.6%
Iowa $996 -$476 -32.3%
Kansas $1,402 -$70 -4.8%
Kentucky $2,010 $538 36.5%
Louisiana $2,182 $710 48.2%
Maine $910 -$562 -38.2%
Maryland $1,216 -$256 -17.4%
Massachusetts $1,178 -$294 -20.0%
Michigan $2,560 $1,088 73.9%
Minnesota $1,234 -$238 -16.2%
Mississippi $1,766 $294 20.0%
Missouri $1,308 -$164 -11.1%
Montana $1,584 $112 7.6%
Nebraska $1,162 -$310 -21.1%
Nevada $1,766 $294 20.0%
New Hampshire $1,062 -$410 -27.9%
New Jersey $1,648 $176 12.0%
New Mexico $1,306 -$166 -11.3%
New York $1,554 $82 5.6%
North Carolina $848 -$624 -42.4%
North Dakota $1,206 -$266 -18.1%
Ohio $1,016 -$456 -31.0%
Oklahoma $1,514 $42 2.9%
Oregon $1,350 -$122 -8.3%
Pennsylvania $1,406 -$66 -4.5%
Rhode Island $1,966 $494 33.6%
South Carolina $1,336 -$136 -9.2%
South Dakota $1,244 -$228 -15.5%
Tennessee $1,292 -$180 -12.2%
Texas $1,776 $304 20.7%
Utah $1,092 -$380 -25.8%
Vermont $1,008 -$464 -31.5%
Virginia $884 -$588 -39.9%
Washington $1,140 -$332 -22.6%
West Virginia $1,350 -$122 -8.3%
Wisconsin $1,022 -$450 -30.6%
Wyoming $1,312 -$160 -10.9%

Choosing high deductibles can reduce rates by up to $630 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year

View Chart as Image

HUMMER insurance by deductible and liability limit

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.

Additional HUMMER Vehicles


U.S. averages for full coverage HUMMER vehicle insurance

Average Policy Cost $1,472
Comprehensive Premium $348
Collision Premium $594
Liability Premium $372

National average data is compiled from all 50 U.S. states for the HUMMER models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

HUMMER Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,358
20 $3,378
30 $1,546
40 $1,472
50 $1,344
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

HUMMER Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,888
$250 $1,696
$500 $1,472
$1,000 $1,260

Full coverage, driver age 40

Rates for High Risk Drivers

HUMMER Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,658
20 $5,366
30 $3,250
40 $3,172
50 $3,024
60 $2,994

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 $202

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $73
Online Quote $105
Total Discounts $627
Rate after discounts $845

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

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