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HUMMER H2 Insurance Rates

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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: Jun 12, 2015

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There are many options when comparing insurance rates on your HUMMER H2. You can either contact a local agent or shop online to compare rates from insurance providers. Shopping for car insurance by comparing rates online is easy and there is a good chance you might just save a little.

Consumers not familiar with shopping for insurance may think purchasing cheap HUMMER H2 insurance is going to be difficult. Finding a better price on car insurance can be quick and easy. Consumers just need to spend a few minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for a HUMMER H2 can vary widely based upon several criteria. Some of these factors include:

  • The performance level of your H2
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that will help determine HUMMER H2 insurance rates is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which can inflate annual premiums. But more recent H2 vehicles may have a trim level with safety features including forward-collision avoidance, adaptive cruise control, and active head restraints which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your HUMMER H2 below.

Auto liability insurance - Liability insurance will cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - Collision coverage will pay to fix damage to your H2 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. HUMMER H2 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your HUMMER H2 comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

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