Chevrolet HHR Car Insurance: How Much Should You Expect to Pay?

Chevrolet HHR drivers pay about $107 a month for their auto insurance, on average. Our latest guide will provide the information you need to know about how much insurance companies might charge you to insure your Chevrolet HHR.
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Quick Facts

  • A Chevrolet HHR is more affordable to insure than the average SUV.

  • Liability auto insurance for a HHR comes in at around $76 monthly, while full coverage usually averages about $133 per month.

  • Hugo provides the lowest average premiums for a HHR with liability only coverage offered for as little as just $33 a month.

HHR Overview

The Chevrolet HHR is a great budget-friendly SUV for drivers of all types, with a base price of just $18,720 for 2011 models. With three different trim levels currently available, there's an option for every driver.

We analyzed thousands of insurance quotes on, and we've determined that, on average, Chevrolet HHR car insurance premiums run around $107 monthly. But where does that fall compared to the rest of the market?

Current Base Price$18,720
Body Style(s)SUV
Trim LevelsLT, LS, PANEL LS
Average Insurance Premium$107/mo.
Cheapest Insurance CompanyHugo

How Much is Car Insurance for a Chevrolet HHR?

Vehicle Liability Only Full Coverage
Chevrolet HHR$76$133
All Chevrolet Models$78$165
All SUVs$81$152
Average Insurance Premium$81$169

In the table above, you'll see that auto insurance rates for a Chevrolet HHR are cheaper than average. On average, HHR owners can expect to pay about $76 per month for liability insurance, and around $133 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Chevrolet models, the HHR is cheaper, with prices more than 10% lower than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, HHR coverage is below average, with both liability only and full coverage insurance averaging less expensive rates than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what make, body style, or model they are.

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Who has the Cheapest Car Insurance for a Chevrolet HHR?

Insurance Company Average Monthly Premium

If you're looking for a new car insurance policy for your Chevrolet HHR, you may be most interested in which company offers the most affordable premiums. Although prices can change quite dramatically from between drivers, ACG offers the cheapest average rates for liability only coverage, with rates sometimes as low as $27 per month. The next most affordable carrier is AIG, who offers car insurance as low as $29 monthly.

Encompass, Oasis, and Hugo finish off the rest of the top 5. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Chevrolet HHR.

After all, your results might be different, since insurance companies look at a multitude of different things when calculating rates. The only way to guarantee you'll find the lowest rates is to compare quotes from an array of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Chevrolet HHR?

As we mentioned above, there are a lot of variables that car insurance companies use to determine how much they charge you -- and each company weighs different pieces more heavily than others, so there's not one carrier that's the cheapest for every driver.

The following sections show several factors insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 Years$67
4-5 Years$52
6-7 Years$75
8-10 Years$75
11-14 Years$79
15 Years or Older$70

The Chevrolet HHR has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and HHRs continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the HHR won't really fit this trend. However, as you can see in the table above, the cheapest Chevrolet HHRs to insure are those that are 4 to 5 years old, while the most expensive models are HHRs that are 11 to 14 years old, on average.

Your Age

Age Average Monthly Premium
Under 18$176
65 or Older$64

How old you are makes a significant difference in how much insurance companies will charge for car insurance. Based on the information above, drivers under 18 have higher premiums compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for HHR drivers.

Your Gender

Gender Average Monthly Premium

Men normally pay more for auto insurance than women. This is because men are more likely to get into collisions and get tickets, which increases the chances of an insurance claim. For HHR drivers, that difference is around $2 per month, with women paying an average of $77 and men looking at about $75.

Where You Live

State Average Monthly Premium
New York$118
North Carolina$65

You may think it's obvious that things like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live can be equally important? Because car insurance is regulated at the state level, rates can differ quite a bit from state to state.

For example, the average Chevrolet HHR driver in New York pays around $118 a month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Chevrolet HHR Car Insurance Discounts

No matter your age, your home state, or your car, it's always a smart move to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Multi-policy discounts for bundling your home and auto policies with the same company
  • Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments

While these are just a few of the discounts insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you don't have control over every factor car insurance carriers consider to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$145
1 Ticket$86
Multiple Tickets$102

You've most likely observed ads from insurance companies promoting big discounts for good drivers. It should be no surprise that if you get into an accident or get a speeding ticket, auto insurance premiums will go higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell, accidents will usually cost HHR drivers more than tickets, but both will result in higher than normal rates. Chevrolet HHR drivers with a single ticket will pay about $86 monthly, while drivers with one accident on their record pay an average of $89 every month (up $13 from the $76/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$61
2,501-5,000 Miles$67
5,001-7,500 Miles$66
7,501-10,000 Miles$77
10,000+ Miles$83

The amount of miles you drive annually plays a role in your insurance rates. Drivers who are on the roads less often are less likely to get into collisions, so they'll generally be offered less expensive prices. Based on the table above, you can see that Chevrolet HHR owners who drive fewer than 2,500 miles each year pay an average of $61 a month for car insurance, while those who put 10,000 miles or more on their cars pay $83.

If you happen to be one of those drivers who put very few miles on your Chevrolet HHR each year, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Chevrolet HHRs Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Chevrolet HHR is on your shortlist, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Chevrolet HHR stacks up:

Chevrolet HHR National Average
Liability Insurance$76$81
Full Coverage Insurance$135$169
Base MSRP$18,720$35,020
Average Annual Mileage11,62411,660

With an MSRP that's a third less than the going rate for a new vehicle, the Chevrolet HHR is a great value when it comes to price. The HHR retails at $18,720, which is quite a bit lower than the national average vehicle MSRP of $35,020. And since it's been awhile since a new HHR model has been on the market, used prices will be even lower.

In the same fashion, auto insurance premiums are lower when compared to other vehicles on the market. Liability insurance for a Chevrolet HHR is about $5 per month less than average, while full coverage is over $30 cheaper monthly.

When it comes to usage, Chevrolet HHR owners drive about the same amount annually as the national average, with 11,624 miles per year compared to 11,660 for all vehicles.

Chevrolet HHR Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure a Chevrolet HHR. If you're thinking about buying a new vehicle and the HHR is one you're considering, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.

That's why we've decided to break down Chevrolet HHR car insurance prices by model year. Choose a specific HHR model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, like the base MSRP, which trim levels are offered, and who offers the most affordable policies for each HHR model year.

2011 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$76
Full Coverage Avg. Premium$135
Base MSRP$18,720
Cheapest Insurance CompanyGainsco - $16/mo.
Available TrimsLS, LT, PANEL LS

It costs around $76 per month for liability or $135 for a full coverage policy for the 2011 Chevrolet HHR.

If you're looking for the cheapest possible 2011 Chevrolet HHR insurance policy, Gainsco offered the lowest policy we found, with rates sometimes as little as $16 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2010 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$85
Full Coverage Avg. Premium$137
Base MSRP$18,720
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsLS, LT, PANEL LS, PANEL LT, SS

The average cost to insure a 2010 HHR with liability only coverage is $85 a month, while full coverage runs about $137 per month.

Mercury offered the most affordable policy we found, with rates as cheap as $19 monthly.

If you want to find the best premiums for insurance for a 2010 Chevrolet HHR, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2009 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$74
Full Coverage Avg. Premium$133
Base MSRP$18,720
Cheapest Insurance CompanyHugo - $18/mo.

2009 Chevrolet HHR drivers can expect to pay an average of $74 a month for liability or $133 for full coverage.

Hugo has rates as cheap as just $18 per month for the 2009 Chevrolet HHR.

Want to figure out exactly what you'll be asked to pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole range of personalized quotes from the nation's top insurance carriers.

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2008 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$74
Full Coverage Avg. Premium$131
Base MSRP$16,730
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsLS, LT, PANEL LS, PANEL LT, SS

You can expect full coverage for a 2008 HHR to run around $131 a month, while liability only coverage will average about $74 monthly.

We found Liberty Mutual offered the cheapest policy, with rates as little as $18 per month.

If you want to know exactly how much you can expect to pay for your HHR, just enter your ZIP code below and get free quotes in minutes.

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2007 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$74
Full Coverage Avg. Premium$132
Base MSRP$16,005
Cheapest Insurance CompanyMercury - $18/mo.
Available TrimsLS, LT, PANEL LS, PANEL LT

On average, drivers who own a 2007 Chevrolet HHR can expect to pay $74 to $132 monthly for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Mercury offered liability only coverage for as low as just $18 per month.

If you want to know exactly how much you can expect to pay for your HHR, get free quotes in minutes by just entering your ZIP code below.

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2006 Chevrolet HHR Car Insurance

Liability Only Avg. Premium$76
Full Coverage Avg. Premium$128
Base MSRP$15,325
Cheapest Insurance CompanyACG - $17/mo.
Available TrimsLS, LT

The average cost to insure a 2006 HHR with liability only coverage is $76 a month, while full coverage runs around $128 per month.

With premiums sometimes as cheap as $17 a month, ACG offered the most affordable policy we found.

Interested in exactly how much you'll pay? Get lots of free customized quotes by just entering your ZIP code below.

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Chevrolet HHR Insurance FAQs

Is a Chevrolet HHR expensive to insure?

The Chevrolet HHR is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $76 monthly, while full coverage will cost you around $133.

How can I get the best price on car insurance for my Chevrolet HHR?

There's only one way to ensure you're getting the cheapest rates -- checking prices regularly and comparing quotes from a multitude of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like let you compare rates from a wide array of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet HHR affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's actually a myth. There are several variables car insurance companies consider when they decide how much your policy will be, but your HHR's color is not factored into that decision.

Do I need to have insurance before I buy a Chevrolet HHR?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships might offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to talk with your insurance carrier beforehand.

What car insurance discounts can I get for my Chevrolet HHR?

There are a bunch of different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your HHR has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to be certain is to reach out to your insurance company and ask about their list of discounts.

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