Best Chevrolet HHR Car Insurance in 2024 (Top 10 Companies Ranked)
Geico, State Farm, and Progressive are the top providers of the best Chevrolet HHR car insurance, offering rates starting at $60/month. Geico is the top overall pick for affordability, while State Farm and Progressive are praised for their extensive coverage options and discounts for Chevrolet HHR drivers.
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Daniel Walker
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Aug 11, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Aug 11, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Chevrolet HHR
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Chevrolet HHR
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Chevrolet HHR
A.M. Best Rating
Complaint Level
Pros & Cons
The top picks overall for the best Chevrolet HHR car insurance are Geico, State Farm, and Progressive, offering competitive rates starting at $60/month. Geico leads as the top choice due to its affordability and comprehensive coverage options, while State Farm and Progressive excel in tailored discounts and robust coverage plans.
This article breaks down these companies and other factors to help you secure the best insurance for your Chevrolet HHR.
Company | Rank | Safe-Driving Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 22% | A++ | Competitive Rates | Geico | |
#2 | 15% | B | Comprehensive Coverage | State Farm | |
#3 | 12% | A+ | Snapshot Program | Progressive | |
#5 | 10% | A+ | Safe-Driving Discounts | Allstate | |
#5 | 15% | A | Extensive Discount | Liberty Mutual | |
#6 | 10% | A+ | Customer Service | Nationwide | |
#7 | 8% | A++ | IntelliDrive Program | Travelers | |
#8 | 12% | A+ | Dividend Policies | Amica | |
#9 | 30% | A++ | Military Families | USAA | |
#10 | 10% | A+ | Local Agents | Farmers |
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.
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.
- Geico offers the best Chevrolet HHR car insurance starting at $60/month
- Tailor your policy to fit specific needs for your Chevrolet HHR
- Compare multiple quotes ensuring to get the best Chevrolet HHR car insurance
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico offers some of the most competitive rates in the market, starting at $65 per month for the Chevrolet HHR with minimum coverage.
- Safe-Driving Discounts: Chevrolet HHR owners can benefit from up to a 22% discount for maintaining a clean driving record with Geico.
- Nationwide Coverage: Geico provides extensive nationwide coverage, ensuring Chevrolet HHR drivers are protected no matter where they are.
Cons
- Limited Local Agents: Geico has fewer local agents, which might be a drawback for Chevrolet HHR owners who prefer in-person assistance.
- High Comprehensive Deductibles: Chevrolet HHR drivers might find Geico’s deductibles for comprehensive coverage to be higher than average.
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#2 – State Farm: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: State Farm excels in providing robust comprehensive coverage options for the Chevrolet HHR at $68 per month for minimum coverage.
- Low Monthly Rates: State Farm offers competitive monthly rates at $68 for the Chevrolet HHR with minimum coverage.
- Bundling Policies: State Farm provides significant discounts for bundling multiple insurance policies, enhancing savings for Chevrolet HHR owners.
Cons
- Limited Multi-Policy Discount: The multi-policy discount from State Farm is not as high compared to some competitors for the Chevrolet HHR.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels, potentially affecting Chevrolet HHR owners.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Progressive’s Snapshot program offers personalized discounts for Chevrolet HHR drivers based on their driving habits, potentially lowering rates below $63 per month.
- Flexible Coverage Options: Progressive allows Chevrolet HHR owners to customize their insurance coverage extensively, including options for lower deductibles.
- Online Tools: Progressive offers user-friendly online tools that make it easy for Chevrolet HHR drivers to manage their policies and track discounts.
Cons
- High Rates for High-Risk Drivers: Chevrolet HHR owners with a history of accidents may face higher premiums with Progressive.
- Customer Service: Progressive’s customer service ratings are lower than some competitors, which may be a concern for Chevrolet HHR drivers needing support.
#4 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Allstate offers Chevrolet HHR drivers a 10% discount for maintaining a clean driving record, with rates starting at $70 per month for minimum coverage.
- Accident Forgiveness: Chevrolet HHR owners benefit from Allstate’s accident forgiveness program, which prevents rates from increasing after one accident.
- Drivewise Program: The Drivewise program provides additional savings for Chevrolet HHR drivers who practice safe driving habits.
Cons
- Higher Initial Premiums: Chevrolet HHR drivers may find Allstate’s initial premiums slightly higher compared to competitors.
- Limited Coverage Options: Allstate offers fewer customizable options for coverage, which might limit choices for Chevrolet HHR owners.
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#5 – Liberty Mutual: Best for Extensive Discount
Pros
- Extensive Discount Options: Liberty Mutual provides a wide array of discounts, including a 15% discount for safe-driving Chevrolet HHR owners, with minimum coverage rates starting at $72 per month.
- New Car Replacement: Chevrolet HHR drivers with Liberty Mutual can take advantage of new car replacement coverage in case of total loss within the first year of ownership.
- Multi-Policy Savings: Bundling home and auto insurance can lead to significant savings for Chevrolet HHR owners.
Cons
- Limited Availability: Liberty Mutual may not be available in all areas, limiting options for some Chevrolet HHR drivers.
- High Premiums for Older Vehicles: Chevrolet HHR owners with older models may find Liberty Mutual’s premiums less competitive.
#6 – Nationwide: Best for Customer Service
Pros
- Top-Tier Customer Service: Nationwide is known for its excellent customer service, making it a reliable choice for Chevrolet HHR owners, with minimum coverage rates starting at $66 per month.
- Vanishing Deductible: Chevrolet HHR drivers can benefit from a vanishing deductible, which reduces their deductible by $100 for each year of safe driving.
- Accident-Free Discount: Nationwide offers a 10% discount for Chevrolet HHR drivers who remain accident-free for a set period.
Cons
- Limited Discount Options: Chevrolet HHR owners might find fewer discount opportunities with Nationwide compared to other insurers.
- Higher Premiums: Nationwide’s premiums for Chevrolet HHR insurance might be higher, particularly for drivers with less-than-perfect records.
#7 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Chevrolet HHR owners can save up to 8% on their insurance through Travelers’ IntelliDrive program, with minimum coverage rates starting at $68 per month.
- Strong Financial Rating: Travelers boasts an A++ financial strength rating, ensuring Chevrolet HHR drivers are covered by a stable insurer.
- Customizable Policies: Travelers offers highly customizable policies that allow Chevrolet HHR owners to choose the exact coverage they need.
Cons
- Limited Availability: Travelers insurance might not be available in all regions, limiting options for some Chevrolet HHR owners.
- Higher Premiums for Younger Drivers: Chevrolet HHR drivers under 25 may face higher premiums with Travelers compared to other companies.
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#8 – Amica: Best for Dividend Policies
Pros
- Dividend Policies: Chevrolet HHR owners can benefit from Amica’s dividend policies, potentially receiving a portion of their premiums back annually, with minimum coverage rates at $62 per month.
- Excellent Customer Service: Amica is renowned for its customer service, providing a superior experience for Chevrolet HHR drivers.
- Accident Forgiveness: Amica’s accident forgiveness program ensures that Chevrolet HHR drivers won’t face increased rates after their first at-fault accident.
Cons
- Higher Initial Costs: Amica’s premiums might be higher initially for Chevrolet HHR owners compared to other insurers.
- Limited Online Tools: Chevrolet HHR drivers might find Amica’s online tools less comprehensive compared to competitors.
#9 – USAA: Best for Military Families
Pros
- Exclusive Military Benefits: USAA offers unique benefits for military families, including Chevrolet HHR drivers, with minimum coverage rates starting at $60 per month.
- Safe-Driving Discounts: USAA provides up to a 30% discount for Chevrolet HHR owners with a clean driving record.
- Superior Claims Service: USAA is known for its efficient and responsive claims service, a significant advantage for Chevrolet HHR drivers.
Cons
- Eligibility Restrictions: Only military members and their families can access USAA insurance, limiting its availability to some Chevrolet HHR owners.
- Limited Local Offices: USAA has fewer local offices, which might be a drawback for Chevrolet HHR drivers who prefer face-to-face interactions.
#10 – Farmers: Best for Local Agents
Pros
- Personalized Service: Farmers offers Chevrolet HHR owners personalized service through a network of local agents, with minimum coverage rates starting at $69 per month.
- Safe-Driving Discounts: Chevrolet HHR drivers can take advantage of a 10% safe-driving discount, helping reduce their overall premium costs.
- Comprehensive Coverage: Farmers provides robust comprehensive coverage options tailored to the needs of Chevrolet HHR owners.
Cons
- Higher Premiums: Farmers’ premiums for Chevrolet HHR insurance might be higher than some competitors, particularly for comprehensive coverage.
- Limited Online Tools: Chevrolet HHR drivers might find Farmers’ online tools less user-friendly compared to other insurers.
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Chevrolet HHR Insurance Cost
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $70 | $155 |
Amica | $62 | $140 |
Farmers | $69 | $155 |
Geico | $65 | $145 |
Liberty Mutual | $72 | $160 |
Nationwide | $66 | $150 |
Progressive | $63 | $140 |
State Farm | $68 | $150 |
Travelers | $68 | $148 |
USAA | $60 | $135 |
The average car insurance costs for a Chevrolet HHR are $1,192 a year or $99 a month.
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 |
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 |
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 |
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 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 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.
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.
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.
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.
- 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.
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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.
Case Studies: Finding the Best Chevrolet HHR Car Insurance
When searching for the best Chevrolet HHR car insurance, real-world experiences can offer valuable insights. These highlight how different drivers secured affordable, comprehensive coverage by choosing the right provider. Whether you prioritize low premiums, extensive coverage, or specialized discounts, these examples demonstrate how to make the best choice for your needs.
- Case Study #1 – Budget-Conscious Drivers: John, a 35-year-old driver with a clean record, needed affordable insurance for his Chevrolet HHR. By choosing Geico, he secured a policy for just $60/month, thanks to their competitive rates and discounts for safe drivers. John’s decision allowed him to save significantly without sacrificing coverage.
- Case Study #2 – Comprehensive Coverage With Added Perks: Samantha, a 40-year-old driver living in a busy urban area, wanted more than just basic coverage for her Chevrolet HHR. State Farm offered her comprehensive coverage that included roadside assistance and rental car reimbursement, all at a reasonable rate.
- Case Study #3 – Customizable Coverage for Diverse Needs: Alex, a 29-year-old driver with a few minor traffic violations, needed flexible insurance options. Progressive’s Snapshot program allowed him to tailor his coverage based on his driving habits, helping him reduce his monthly premium. This personalized approach made Progressive the ideal choice for Alex.
These case studies show that finding the best Chevrolet HHR car insurance is about aligning your specific needs with the right provider.
Geico offers the best combination of affordability and comprehensive coverage for Chevrolet HHR drivers.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Whether it’s affordability with Geico, comprehensive coverage with State Farm, or customizable options with Progressive, there’s a solution for every driver. Enter your ZIP code in our free tool below to get instant car insurance quotes now!
Frequently Asked Questions
Are Chevrolet HHRs expensive to insure?
Insurance rates for Chevrolet HHRs can vary, but you can find cheaper options by comparing quotes and considering factors like age, location, and driving record.
What factors affect Chevrolet HHR insurance cost?
Insurance cost for Chevrolet HHRs is influenced by factors such as the vehicle’s age, driver’s age, location, driving record, safety ratings, and safety features.
How can I save on Chevrolet HHR insurance?
You can save on Chevrolet HHR insurance by maintaining a good driving record, bundling policies, increasing deductibles, and exploring discounts offered by insurance companies.
Which are the top insurance companies for Chevrolet HHR coverage?
Top insurance companies for Chevrolet HHR coverage may vary, but it’s recommended to compare quotes from different companies to find the best rates and coverage for your needs.
What is the average cost of Chevrolet HHR insurance?
The average cost of Chevrolet HHR insurance is around $60 per month, though this can vary based on several factors like coverage type and driving history.
Is Geico the best option for Chevrolet HHR insurance?
Geico is often the best option for Chevrolet HHR insurance due to its competitive rates and strong customer service, especially for budget-conscious drivers.
Does the model year of the Chevrolet HHR impact insurance rates?
Yes, the model year can impact insurance rates, with older models generally costing less to insure than newer ones due to depreciation and lower replacement costs.
How does location affect Chevrolet HHR insurance rates?
Location significantly affects insurance rates, with urban areas typically seeing higher premiums due to increased risk of accidents and theft.
Are there specific discounts available for Chevrolet HHR insurance?
Yes, many insurance companies offer discounts for Chevrolet HHR drivers, such as safe driver discounts, multi-policy discounts, and discounts for safety features.
Is full coverage necessary for a Chevrolet HHR?
Full coverage may be necessary if you finance your Chevrolet HHR or want extensive protection, but liability-only coverage could be sufficient for older models or if you own the vehicle outright.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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.