Compare Hummer Car Insurance Rates (2024)

While some brands can be hard to recognize, almost everyone can spot a Hummer. The brand was discontinued in 2010, but Hummer still has a loyal fanbase due to its cool factor.

The average Hummer driver pays much less for car insurance than they would with a different brand. Although you’ll make up for your savings with fuel costs, the typical Hummer driver sees low rates, especially when they choose the minimum amount of insurance required in their state. However, Hummer drivers should still consider full coverage if they want to protect their vehicles.

Read on to learn how to find the best Hummer car insurance rates and how to keep your prices low. Then compare quotes with as many companies as possible to find the best policy for your Hummer.

How much does car insurance cost for a Hummer?

Since Hummers are older cars today, they tend to have cheaper car insurance rates. While there are several reasons for this, one of the biggest is that they don’t cost very much to repair or replace. Although Hummer has made a comeback as an electric truck, you can usually buy the iconic model for relatively cheap.

Aside from the age of your Hummer, several other factors affect your car insurance rates. Car insurance companies look at the following factors when they craft your insurance rates:

• Location
• Driving history
• Credit score
• Age and gender
• Marital status
• Your car

A final consideration for your insurance quotes is how much coverage you want to purchase. Many Hummer drivers choose to buy minimum insurance to keep their prices low. Buying full coverage for an older car isn’t usually a cost-effective solution. However, you can always buy full coverage if you want to protect your Hummer. You can also purchase add-ons to increase the coverage in your policy, but they’ll increase your rates.

With all these factors in mind, the average Hummer driver pays about $124 a month for car insurance. $124 a month is much cheaper than the national average, but you might pay much more if you decide to increase the coverage in your policy.

Which types of car insurance should you buy for a Hummer?

While many drivers have to choose between minimum insurance and full coverage, Hummer owners often go with the least amount of coverage required in their state. Minimum insurance is your cheapest option for car insurance, but it will leave your Hummer without protection.

Although Hummers are older cars today, you can still buy a full coverage policy. Full coverage offers much better protection for your car but can cost double what minimum insurance does. If you decide to buy full coverage, you’ll get the following insurance:

• Liability: Most states require liability insurance before you can drive or register your car. It pays for damage and injuries you cause in an accident but does not cover your vehicle.
• Collision: Collision insurance pays for your car repairs after an accident, no matter who was at fault. It also pays for repairs if you hit a stationary object, like a traffic sign.
• Uninsured/underinsured motorist: Although most states require car insurance, not everyone follows the law. Uninsured motorist insurance pays for your medical bills and car repairs if a driver without enough coverage hits you.
• Medical payments/personal injury protection: Depending on your state, you can buy medical payments or personal injury protection insurance. These cover your medical expenses after a collision.
• Comprehensive: For everything that can damage your car outside an accident, there’s comprehensive insurance. It covers damage from animals, fire, floods, weather, vandalism, and theft.

Aside from these basic coverages, most insurance companies offer add-ons to increase the value of your policy. Popular add-ons for Hummer owners include rental car reimbursement and roadside assistance. However, you should be cautious about adding more coverage to your policy. Add-ons can significantly increase how much you might pay for your coverage.

How can you save money on Hummer insurance?

Hummer car insurance is usually more affordable than the national average, but you don’t have to settle for the first quote you see. As with any other type of vehicle, it’s important to explore your options for saving on car insurance. Check below for money-saving tips on your Hummer car insurance:

• Lower your coverage. Hummer stopped producing new models in 2010, so all Hummers are at least 10 years old. Many drivers choose to lower their coverage on an older car to save.
• Raise your deductible. You can lower your monthly rates by increasing your deductible. However, you’ll have to pay more out-of-pocket if you need to make a claim.
• Drive safe. Drivers with clean records pay less for their car insurance than people with speeding tickets, reckless driving charges, or DUIs. If you have too many incidents on your record, you might need high-risk car insurance.
• Look for discounts. Popular discounts for older cars like Hummers include bundling other policies, paying for your entire policy at once, and remaining claims-free.
• Keep your car safe. You’ll pay less for your insurance if your Hummer has safety features like audible alarms or GPS tracking. You can also save by parking your Hummer in a covered garage or private driveway.
• Try a telematics program. Usage-based insurance is an excellent way to save on your monthly rates. However, you should only enroll if you regularly practice safe driving habits and don’t mind your insurance company tracking you.

One of the best ways to keep your insurance rates low is to compare quotes from as many companies as possible. Some companies are more forgiving of certain situations than others. For example, drivers with a low credit score might find their lowest rates at Nationwide, even though the company is not often the cheapest choice.

Find the Best Hummer Insurance Today

Although the Hummer was discontinued in 2010, people still love the brand. While many factors affect your insurance rates, Hummer drivers usually see rates much lower than the national average. Although rates are low, there are always ways to save even more.

One of the most important ways to keep your insurance rates low is to compare quotes with multiple companies. Skipping this important step means you’ll likely overpay for your insurance.