Best Chevrolet HHR Car Insurance in 2024 (Top 10 Companies Ranked)

The top picks overall for the best Chevrolet HHR car insurance are Geico, State Farm, and Progressive, with rates that are affordable commencing at $60 per month. Geico is the top choice due to its cost and comprehensive coverage alternatives, whereas State Farm and Progressive excelled at targeted savings and robust coverage plans.

This article breaks down these best car insurance companies and other factors to help you secure the best insurance for your Chevrolet HHR.

Our Top 10 Company Picks: Best Chevrolet HHR Car Insurance

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. 

Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool above today.

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#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 car insurance review provides extensive nationwide coverage, ensuring Chevrolet HHR drivers are protected no matter where they are.

Cons

• Fewer Nearby Consultants: For Chevrolet HHR owners who would rather receive help in person, Geico’s reduced number of local agents may be a disadvantage.
• High Comprehensive Deductibles: Chevrolet HHR drivers might find Geico’s deductibles for comprehensive coverage to be higher than average.

#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 car insurance review 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 car insurance review provides 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.

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#4 – Allstate: Best for Safe-Driving Discounts

Pros

• Safe-Driving Discounts: Allstate car insurance review provides 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 of Progressive 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.

#5 – Liberty Mutual: Best for Extensive Discount

Pros

• Extensive Discount Options: Liberty Mutual car insurance review 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 car insurance discounts 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.

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#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 car insurance review 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.

#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. Read up our guide “How do you get an amica mutual car insurance quote online?”
• 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 car insurance review 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.

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#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 car insurance review 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.

Chevrolet HHR Insurance Rates

When considering car insurance for a Chevrolet HHR, monthly rates can vary significantly depending on the coverage level and the provider chosen.

Chevrolet HHR Car Insurance Monthly Rates by Coverage Level & Provider

For minimum coverage, rates range from $60 with USAA to $72 with Liberty Mutual, while full coverage rates range from $135 with USAA to $160 with Liberty Mutual.

Chevrolet HHR Car Insurance Monthly Rates by Coverage Type

On average, insurance for this vehicle costs around $99 per month, but specific rates can fluctuate based on factors such as deductibles, driver risk level, and whether the policyholder qualifies for discounts. Teen drivers typically face the highest rates, averaging $364 per month. Explore our guide “Compare Teen Driver Car Insurance Rates.”

Understanding the High Costs of Insuring a Chevrolet HHR

Chevrolet HHR Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

The disparity is more pronounced with collision coverage, where the HHR costs $70 monthly, significantly more than the Outback’s $42. Minimum coverage also shows a slight increase for the HHR at $33, versus $31 for the Outback.

Finally, full coverage car insurance for the HHR is priced at $152 per month, which is considerably higher than the $115 monthly rate for the Outback. These differences highlight how vehicle type can influence insurance costs across various coverage options.

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Key Factors That Influence Chevrolet HHR Insurance Rates

Age of the Vehicle

Chevrolet HHR Car Insurance Monthly Rates by Model Year & Coverage Type

The full coverage option tends to show a gradual reduction in cost for older models, with the 2024 Chevrolet HHR having the highest full coverage rate at $107, while the 2010 model is lower at $97. These trends suggest that the age of the vehicle plays a significant role in determining insurance premiums.

Driver Age

Chevrolet HHR car insurance rates vary significantly depending on the driver’s age. Younger drivers, particularly those aged 16, face the highest monthly premiums at $630, reflecting their higher risk on the road. As drivers gain more experience and reach the age of 18, the rate drops to $363, and by age 20, it further decreases to $225.

Chevrolet HHR Car Insurance Monthly Rates by Age

The cost continues to decline with age, with drivers in their 30s paying around $104, and those in their 40s and 50s seeing rates as low as $99 and $91, respectively. By age 60, the monthly premium reaches its lowest point at $89.

Driver Location

Chevrolet HHR Car Insurance Monthly Rates by City

Meanwhile, cities like Phoenix, AZ, Seattle, WA, Indianapolis, IN, and Columbus, OH offer more affordable options, with rates ranging from $115 down to $82 per month.

Your Driving Record

Chevrolet HHR car insurance premiums vary significantly based on both the driver’s age and their driving history. For younger drivers, such as those aged 16, rates are substantially higher, with a clean record costing around $630 per month. However, any infractions like a DUI or an accident can sharply increase rates, with a DUI pushing costs up to $1,200.

Chevrolet HHR Car Insurance Monthly Rates by Age & Driving Record

As drivers age, premiums decrease notably, with a 30-year-old with a clean record paying just $104 monthly. The pattern continues into older age groups, with minor increases in rates based on driving offenses, but overall, insurance costs are much lower for more mature drivers.

Chevrolet HHR Safety Ratings

The Chevrolet HHR has been evaluated for safety, earning high marks in several areas. It received a “Good” rating for moderate overlap front crashes, roof strength, and head restraints and seats. However, its side impact protection was rated as “Acceptable,” indicating a slightly lower performance in that category compared to the others.

Chevrolet HHR Safety Ratings

The safety features of the Chevrolet HHR, such as driver and passenger airbags, front and rear head airbags, 4-wheel ABS, and electronic stability control, can significantly influence your car insurance rates. These features, which also include front disc/rear drum brakes, daytime running lights, child safety locks, and traction control, enhance the vehicle’s safety profile.

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As a result, insurers may offer lower premiums, recognizing the reduced risk of accidents and injuries associated with these safety measures.

Chevrolet HHR Crash Test Ratings

Chevrolet HHR Crash Test Ratings

This rating includes 4 stars for frontal impact protection, 5 stars for side impact protection, and 4 stars for rollover resistance. These ratings reflect the vehicle’s strong safety performance across various tests, ensuring reliable protection for its occupants.

Ways to Reduce Your Chevrolet HHR Insurance Premiums

Additionally, asking about loyalty discounts, using public transportation instead of always driving your HHR, and ensuring that young drivers in your household practice safe driving habits are effective ways to secure better rates. By taking these steps, you can achieve the best possible insurance rates for your Chevrolet HHR.

Leading Providers for Chevrolet HHR Coverage

Top Chevrolet HHR Car Insurance Providers by Market Share

Allstate and Liberty Mutual also have significant shares, each capturing 5% of the market. Other notable insurers include Travelers, USAA, Chubb, Farmers, and Nationwide, all with shares ranging from 3% to 4%. Discover more insight in our guide “Best Usage-Based Car Insurance Companies.”

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Get Free Online Quotes for Chevrolet HHR Insurance

To compare Chevrolet HHR car insurance quotes at no cost, you can utilize our online comparison tool. In 2010, the average cost to insure a Chevrolet HHR was $140 monthly.

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. Check out our guide “How do you get competitive quotes for car insurance?”

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.

Essential Insurance Basics That Affect Chevrolet HHR Premiums

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.

These factors, among others, play a crucial role in shaping the insurance premiums and determining the overall coverage offered to the applicant. Understanding them can help individuals make informed decisions when selecting their vehicle and driving habits to potentially lower their insurance costs.

Detailed Overview of 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. Navigate our comprehensive guide about “The Most Fuel-Efficient Cars.”

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How the Chevrolet HHR’s Design Impacts 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. Delve into our guide “Compare Monthly Car Insurance: Rates, Discounts, & Requirements”

Case Studies: Securing the Best Insurance for Your Chevrolet HHR

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.

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.

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