Chevrolet HHR Insurance Cost [List of Money Saving Tips]

Average Chevrolet HHR insurance rates cost $99 per month ($1,192 per year). On average, comprehensive coverage costs $290, collision coverage costs $424, and liability coverage costs $336 for Chevrolet HHR insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 2020

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Key Takeaways:

  • Full coverage costs around $1,192 a year or $99 each month
  • A liability-only policy costs around $478 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,357 a year or $363 each month
  • Good drivers can save as much as $491 a year by earning policy discounts
  • Chevrolet HHR insurance costs around $327 less per year than the average vehicle

The best way to know if you are finding reliable Chevrolet HHR car insurance rates is by having the right frame of reference to work from. On average, Chevrolet HHR insurance rates cost drivers $1,192 a year, while a liability-only policy costs $478 a year.

In order to help you determine what your Chevrolet HHR rates will look like, it depends on your age, location, driving record, and whether or not you want to have full coverage. We’ve outlined everything you need to know in this helpful guide so keep scrolling to learn more.

You can start comparing quotes for Chevrolet HHR car insurance rates from some of the best car insurance companies by using our free online tool now.

Chevrolet HHR Insurance Cost

The average car insurance costs for a Chevrolet HHR are $1,192 a year or $99 a month.

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Are Chevrolet HHRs Expensive to Insure?

The chart below details how Chevrolet HHR insurance rates compare to other wagons like the Subaru Outback.

Vehicle Comprehensive Collision Liability Total
Subaru Outback $348 $500 $372 $1,378
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However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.

What Impacts the Cost of Chevrolet HHR Insurance?

The Chevrolet HHR trim and model you choose can impact the total price you will pay for Chevrolet HHR insurance coverage.

Age of the Vehicle

The average Chevrolet HHR auto insurance rates are higher for newer models. For example, auto insurance rates for a 2011 Chevrolet HHR cost $1,192, while 2010 Chevrolet HHR rates are $1,166, a difference of $26.

Model Year Comprehensive Collision Liability Total
2011 Chevrolet HHR $224 $350 $460 $1,192
2010 Chevrolet HHR $216 $328 $464 $1,166
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Driver Age

Driver age can have a significant impact on the cost of Chevrolet HHR auto insurance. For example, 20-year-old drivers pay approximately $1,458 each year for their Chevrolet HHR auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet HHR insurance rates. For example, drivers in Jacksonville may pay $715 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet HHR auto insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet HHR car insurance with violations on their driving record.

Chevrolet HHR Safety Ratings

Your Chevrolet HHR car insurance rates are tied to the safety ratings of the Chevrolet HHR. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Acceptable
Roof strength N/R
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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Chevrolet HHR Crash Test Ratings

If the Chevrolet HHR crash test ratings are good, you could have lower Chevrolet HHR car insurance rates. See Chevrolet HHR crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Chevrolet HHR N/R N/R N/R 4 Stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Chevrolet HHR Safety Features

The safety features of the Chevrolet HHR can impact your Chevrolet HHR car insurance rates. The Chevrolet HHR has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Chevrolet HHR Finance and Insurance Cost

When financing a Chevrolet HHR, most lenders will require your carry higher Chevrolet HHR coverage options including comprehensive coverage, so be sure to shop around and compare Chevrolet HHR car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Chevrolet HHR Insurance

Although it may seem like your Chevrolet HHR car insurance rates are set, there are a few measures that you can take to secure the best Chevrolet HHR car insurance rates possible. Take a look at the following five ways to save on Chevrolet HHR auto insurance.

  • Pay Your Chevrolet HHR Insurance Upfront
  • Drive Your Chevrolet HHR Safely
  • Ask About Loyalty Discounts
  • Take Public Transit Instead of Driving Your Chevrolet HHR
  • Make Sure You’re Raising a Safe Driver

Top Chevrolet HHR Insurance Companies

Who is the top car insurance company for Chevrolet HHR insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chevrolet HHR auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chevrolet HHR offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Chevrolet HHR Insurance Quotes Online

To start comparing Chevrolet HHR car insurance quotes for free, use our online car insurance comparison tool.

Average Chevrolet HHR insurance rates cost $99 per month ($1,192 per year). On average, comprehensive coverage costs $290, collision coverage costs $424, and liability coverage costs $336 for Chevrolet HHR insurance.
The average cost of insuring a Chevrolet HHR was $1,689 in 2010. This number is higher than the U.S. national average, which came in at $1,566. Actual rates will vary, depending on the company.

The price to insure one now will likely be much cheaper than insurance on a new one in 2010 because this model was discontinued after 2011, and as vehicles age, their values decrease along with their insurance rates.

Since each insurance provider uses its own formula to determine how much to charge customers for their coverage, taking the time to shop around for insurance can add up to significant savings on the cost of coverage.

To get immediate car insurance quotes, enter your ZIP code now!

When you are looking for coverage for a Chevrolet HHR, you need to be aware that the insurance company considers multiple factors when setting the cost of premiums.

The different car insurance companies consider the traits of the vehicle itself, its safety features, and how it behaves in an accident when deciding how much to charge a policyholder for coverage.

Along with looking at the vehicle to be covered, an insurance company will also consider the human factors at play when someone applies for coverage.

An applicant’s driving record and personal profile are important factors when a company is making a decision about whether to provide coverage and how much to charge for it.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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What car insurance basics will impact the car insurance cost for a Chevrolet HHR?

When a person applies for car insurance coverage, the company considers a number of factors when deciding whether or not to offer to cover him or her. Some of these factors include:

  • Risk profile – A person who is deemed to be riskier to insure will be charged higher rates for his or her high-risk driving coverage.
  • Other drivers in the household – Young children and those who don’t have a license are excluded from consideration, but the records of all licensed drivers are considered when prices are set.
  • Claims predictions – The insurance company’s underwriters consider the likelihood of a person in a specific demographic group making a claim against his or her policy.
    • For example, insurers are well aware that young drivers or people who have little driving experience are more likely to be involved in car accidents. For that reason, people who belong to these two groups will be charged higher rates for their coverage.
    • Rates should start to fall once a customer has celebrated his or her 25th birthday.
    • Once a policyholder with a clean driving record is at or close to retirement age, he or she will be able to qualify for low rates on car insurance coverage since the annual miles driven will be lower than for a person who is making a daily commute to and from work.
  • Vehicle model – If a customer chooses to drive a vehicle, such as an SUV, that is likely to cause a lot of damage to a car in a collision, that person is going to be paying higher rates for coverage.
  • Repair costs – If a particular vehicle is difficult or expensive to repair, insurance costs are going to be higher than for one that doesn’t present the same challenges.

What are the specifics on the Chevrolet HHR?

The Chevy HHR looks like a cross between a station wagon and an SUV. The public was given its first look at the vehicle at the 2005 Los Angeles Auto Show.

The HHR (Heritage High Roof) is smaller than the Equinox and its design was influenced by cars and trucks manufactured by the company in the 1940s; it most closely resembles the 1949 Suburban.

The HHR is a four-door, front-wheel-drive wagon. Passenger and two-seat panel models are available. This vehicle gives owners good fuel economy of 22 miles per gallon in the city and 32 miles per gallon on the highway.

This design was a hit, and sales in 2006-2007 topped 100,000 units.

So how does the Chevrolet HHR’s construction affect my car insurance rates?

No vehicle is free from performance issues, and the Chevrolet HHR is no exception. Customers who have bought this model have complained about the slow braking speed they experience while operating the vehicle.

The Insurance Institute for Highway Safety (IIHS) has given the HHR a “good” safety rating in frontal-offset tests. This model was rated as “acceptable” in side-impact tests.

Both of these factors impact how car insurers view the vehicle. It’s reasonably safe but it has some issues. Overall, it is considered a safe vehicle.

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