Hummer H3 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Hummer H3 are $996 a year including full coverage. Comprehensive costs approximately $168, collision costs $202, and liability insurance is $468. Liability-only coverage costs around $518 a year, with high-risk coverage costing around $2,140. 16-year-old drivers cost the most to insure at $4,014 a year or more.

Average premium for full coverage: $996

Policy rates by type of insurance:

Comprehensive $168
Collision $202
Liability $468

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different H3 trim levels.

Price Range Variability

Using a middle-aged driver as an example, Hummer H3 insurance rates go from as low as $518 for just the minimum liability insurance to a much higher rate of $2,140 for a high-risk driver policy.

Liability Only $518
Full Coverage $996
High Risk $2,140

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on 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.

Additional Rate Analysis

The chart below breaks down estimated Hummer H3 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $609
  • Raising to $1,000 deductibles will save $84 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $996
  • Buying more expensive low deductibles will increase the cost to $1,156
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,140 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost $4,014

View Chart as Image

Hummer H3 insurance cost comparison chart
Column chart showing full coverage Hummer H3 insurance rates range from $609 to $4,014

Insurance rates for a Hummer H3 also range considerably based on your risk profile, the model of your H3, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state also has a big influence on Hummer H3 insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,430 on average in Louisiana, New York, and Michigan.

Hummer H3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $904 -$92 -9.2%
Alaska $766 -$230 -23.1%
Arizona $828 -$168 -16.9%
Arkansas $996 -$0 0.0%
California $1,136 $140 14.1%
Colorado $954 -$42 -4.2%
Connecticut $1,026 $30 3.0%
Delaware $1,130 $134 13.5%
Florida $1,250 $254 25.5%
Georgia $920 -$76 -7.6%
Hawaii $716 -$280 -28.1%
Idaho $676 -$320 -32.1%
Illinois $744 -$252 -25.3%
Indiana $750 -$246 -24.7%
Iowa $672 -$324 -32.5%
Kansas $950 -$46 -4.6%
Kentucky $1,360 $364 36.5%
Louisiana $1,476 $480 48.2%
Maine $616 -$380 -38.2%
Maryland $822 -$174 -17.5%
Massachusetts $798 -$198 -19.9%
Michigan $1,734 $738 74.1%
Minnesota $834 -$162 -16.3%
Mississippi $1,194 $198 19.9%
Missouri $884 -$112 -11.2%
Montana $1,072 $76 7.6%
Nebraska $788 -$208 -20.9%
Nevada $1,196 $200 20.1%
New Hampshire $718 -$278 -27.9%
New Jersey $1,116 $120 12.0%
New Mexico $884 -$112 -11.2%
New York $1,052 $56 5.6%
North Carolina $574 -$422 -42.4%
North Dakota $818 -$178 -17.9%
Ohio $690 -$306 -30.7%
Oklahoma $1,024 $28 2.8%
Oregon $914 -$82 -8.2%
Pennsylvania $952 -$44 -4.4%
Rhode Island $1,332 $336 33.7%
South Carolina $904 -$92 -9.2%
South Dakota $842 -$154 -15.5%
Tennessee $874 -$122 -12.2%
Texas $1,202 $206 20.7%
Utah $738 -$258 -25.9%
Vermont $682 -$314 -31.5%
Virginia $598 -$398 -40.0%
Washington $772 -$224 -22.5%
West Virginia $914 -$82 -8.2%
Wisconsin $690 -$306 -30.7%
Wyoming $890 -$106 -10.6%

View Chart as Image

Hummer H3 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $250 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $421 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Hummer H3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Hummer H3 Adventure Package 4WD $980 $82
Hummer H3 4WD $980 $82
Hummer H3 Luxury Package 4WD $996 $83
Hummer H3 Alpha 4WD $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.

Hummer H3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2009 Hummer H3 $174 $226 $474 $1,032
2008 Hummer H3 $168 $202 $468 $996
2006 Hummer H3 $162 $188 $452 $960

Rates are averaged for all Hummer H3 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 the Right Hummer H3 Insurance

Finding cheaper rates on Hummer H3 insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a quick rundown of the information touched on in the above illustrations.

  • You may be able to save around $110 per year simply by shopping early and online
  • Teen drivers are the costliest to insure, with premiums being up to $335 each month including comprehensive and collision insurance
  • Increasing comprehensive and collision deductibles can save around $250 each year
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,140 more per year to insure their H3
  • Drivers who purchase more liability coverage will pay around $520 per year to raise from a 30/60 limit to 250/500 limits

Rates by Driver Age

Hummer H3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,014
20 $2,270
30 $1,014
40 $996
50 $916
60 $896

Full coverage, $500 deductibles

Rates by Deductible

Hummer H3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,084
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Hummer H3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,108
100/300 $1,225
250/500 $1,529
100 CSL $1,154
300 CSL $1,412
500 CSL $1,599

Full coverage, driver age 40

Rates for High Risk Drivers

Hummer H3 Insurance Rates for High Risk Drivers
Age Premium
16 $5,646
20 $3,618
30 $2,156
40 $2,140
50 $2,046
60 $2,024

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $387
Rate after discounts $609

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles