Hummer H3 Insurance Rates
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UPDATED: Jun 4, 2023
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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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,156 |
$250 | $1,084 |
$500 | $996 |
$1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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