Cheap HUMMER H3 Car Insurance in 2024 (Earn Savings With These 10 Companies!)
State Farm, Nationwide, and Allstate offer the best rates for cheap HUMMER H3 car insurance, starting at just $65 per month. These providers stand out due to their highly competitive pricing, extensive coverage options, and exceptional customer service, making them top choices for HUMMER H3 owners.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Nov 4, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Min. Coverage for HUMMER H3
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
3,019 reviewsCompany Facts
Min. Coverage for HUMMER H3
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
11,413 reviewsCompany Facts
Min. Coverage for HUMMER H3
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
The top picks for cheap HUMMER H3 car insurance are State Farm, Nationwide, and Allstate, known for their affordable rates and robust coverage options.
These providers offer tailored comprehensive policies for HUMMER H3 owners, ensuring optimal protection. Insurance costs for a HUMMER H3 vary by location, driving history, and coverage level. Learn more in our article titled “Best HUMMER Car Insurance Discounts.”
Our Top 10 Company Picks: Cheap HUMMER H3 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $65 B Comprehensive Coverage State Farm
#2 $67 A+ Vanishing Deductible Nationwide
#3 $68 A+ Driving Rewards Allstate
#4 $70 A Loyalty Discounts American Family
#5 $72 A+ Snapshot Program Progressive
#6 $75 A++ Policy Discounts Geico
#7 $77 A++ Car Replacement Travelers
#8 $78 A++ Military Discounts USAA
#9 $80 A Customizable Plans Farmers
#10 $85 A Accident Forgiveness Liberty Mutual
By comparing quotes from these leading companies, drivers can find the best rates and coverage for their HUMMER H3, effectively managing their insurance expenses.
Searching for more affordable premiums? Insert your ZIP code above to get started on finding the right provider for you and your budget.
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different business needs. Discover more about offerings in our article titled State Farm car insurance review & ratings.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
#2 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductibles: Deductibles decrease for each year of safe driving. More information is available about this provider in our article titled Nationwide insurance review & ratings.
- Wide Network: Nationwide has a broad network of services and repair shops.
- Strong Financial Rating: Nationwide’s A+ AM Best rating signifies strong financial stability.
Cons
- Higher Premiums for High-Risk Drivers: Nationwide’s rates tend to be higher for drivers with previous claims.
- Policy Upselling: Customers have reported frequent upselling of additional coverage.
#3 – Allstate: Best for Driving Rewards
Pros
- Rewarding Safe Driving: Allstate offers bonuses and discounts for safe driving. See more details on our article titled Allstate insurance review & ratings.
- Innovative Tools: Provides tools like Drivewise to monitor and improve driving habits.
- Multiple Discount Options: Various discounts available including new car and multiple policy.
Cons
- Pricing Variability: Premiums can vary significantly between states and driver profiles.
- Customer Service Issues: Some reports of less satisfactory customer service experiences.
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#4 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Offers discounts for long-term customers. Check out insurance savings in our complete article titled American Family insurance review & ratings.
- Flexible Coverage Options: Provides a range of customizable insurance options.
- Strong Customer Support: Generally positive reviews regarding their customer service.
Cons
- Availability Limitations: Coverage not available in all states.
- Premium Fluctuations: Some customers may experience yearly premium increases without clear explanation.
#5 – Progressive: Best for Snapshot Program
Pros
- Usage-Based Savings: Progressive’s Snapshot program can lead to significant savings for safe drivers.
- Wide Range of Discounts: Offers various discounts including multi-car, online quote, and pay in full.
- Strong Online Tools: Excellent online tools and mobile app for managing policies. Read up on the “Progressive Insurance Review & Ratings” for more information.
Cons
- Snapshot Privacy Concerns: Some concerns about data privacy with the Snapshot program.
- Inconsistent Customer Service: Customer service quality can vary greatly depending on the region.
#6 – Geico: Best for Policy Discounts
Pros
- Extensive Discounts: Known for a wide array of discounts, including military, federal, and student.
- Strong Online Platform: Efficient online quote system and policy management.
- Rapid Claim Service: Often praised for quick and efficient claims processing. Access comprehensive insights into our article titled Geico car insurance discounts.
Cons
- Basic Coverage Options: Some customers find the coverage options less comprehensive than competitors.
- Service Experience Varies: Customer satisfaction can vary significantly by location.
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#7 – Travelers: Best for Car Replacement
Pros
- New Car Replacement: Offers new car replacement for vehicles totaled within the first five years.
- Accident Forgiveness: Policies include accident forgiveness that prevents rate increases after one accident.
- Hybrid Car Discounts: Provides discounts for owning or leasing hybrid vehicles. Delve into our evaluation of our article titled Travelers insurance review & ratings.
Cons
- Higher Rates Post-Claim: Premiums may increase significantly after a claim.
- Complex Policy Options: Some customers find policy options and terms confusing.
#8 – USAA: Best for Military Discounts
Pros
- Exclusive Military Benefits: Special rates and discounts for military members and their families.
- Top-Tier Customer Service: Consistently high ratings for customer satisfaction and support. Unlock details in our article titled USAA insurance review & ratings.
- Comprehensive Coverage: Extensive coverage options that cater specifically to military needs.
Cons
- Limited Eligibility: Services restricted to military members, veterans, and their families.
- Coverage Restrictions: Some limitations in coverage options compared to larger insurers.
#9 – Farmers: Best for Customizable Plans
Pros
- Customizable Coverage: Allows extensive customization of policies to fit individual needs.
- Dedicated Agents: Personalized service with dedicated agents for each policyholder. Discover insights in our article titled Farmers insurance review & ratings.
- Educational Resources: Offers comprehensive educational resources to help clients understand their coverage.
Cons
- Higher Cost: Generally higher premiums compared to other insurers.
- Varied Customer Experience: Some regions report less favorable customer service experiences.
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#10 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Rates don’t increase after the first accident for qualifying drivers. If you want to learn more about the company, head to our article titled Liberty Mutual review & ratings.
- Customizable Policies: Offers a high degree of customization for individual insurance needs.
- Multiple Discounts Available: Provides a variety of discounts including multi-policy and online purchase.
Cons
- Higher Premiums: Premiums can be on the higher side, especially for new customers.
- Mixed Customer Service Reviews: Some policyholders report inconsistent service levels across different branches.
Comparative Monthly Insurance Rates for HUMMER H3: Minimum vs Full Coverage
When choosing car insurance for your HUMMER H3, understanding the cost variations between minimum and full coverage options across different providers is crucial. This knowledge can significantly influence your decision based on your specific needs and budget.
HUMMER H3 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $68 $115
American Family $70 $125
Farmers $80 $140
Geico $75 $135
Liberty Mutual $85 $145
Nationwide $67 $117
Progressive $72 $128
State Farm $65 $120
Travelers $77 $132
USAA $78 $130
The table illustrates the monthly rates offered by various insurance companies for both minimum and full coverage. Allstate starts at $68 for minimum coverage and goes up to $115 for full coverage. Similarly, American Family offers their policies starting at $70, increasing to $125. State Farm presents the most competitive rates with minimum coverage at $65 and full coverage at $120.
Factors That Influence the Cost of Hummer H3 Car Insurance
Several factors affect the cost of car insurance for a HUMMER H3, including the model year, with newer models generally costing more due to their higher market value. Other significant factors are the driver’s age, driving record, location, and desired coverage level. See more details on our guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
The HUMMER H3, being a luxury and heavier vehicle, typically attracts higher premiums because of the increased repair costs and theft risks, along with its potential to cause more damage in accidents due to its size and weight.
A driver’s credit score significantly impacts HUMMER H3 insurance costs, with lower scores often leading to higher premiums due to perceived financial risk. Additionally, the HUMMER H3’s size and weight can increase insurance rates, as heavier vehicles typically cause more damage in accidents. Maintaining a good credit score is crucial for HUMMER H3 owners to potentially reduce their insurance costs.
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Understanding the Insurance Rates for Hummer H3 Vehicles
Insurance rates for HUMMER H3 vehicles differ across companies due to various factors. These include the driver’s age, experience, location, the vehicle’s safety features like airbags and stability control, and potential repair costs, influenced by part availability and repair complexity. Check out insurance savings in our complete guide titled “Cheapest Car Insurance for 23-Year-Old Drivers.”
Insurance companies consider the HUMMER H3’s high theft rate and the owner’s driving history when setting car insurance rates. Given its popularity and value, the HUMMER H3 is often targeted for theft, potentially raising premiums. Furthermore, drivers with a history of claims or traffic violations are seen as higher risk, which may also lead to increased insurance costs for HUMMER H3 owners.
Comparing Car Insurance Quotes for Hummer H3 Models
When shopping for HUMMER H3 car insurance, it’s crucial to compare quotes from various providers, as costs and coverage can differ greatly due to differing underwriting criteria. This comparison can lead to significant annual savings by helping you find the most cost-effective and suitable coverage.
When comparing car insurance quotes for HUMMER H3 models, consider the level of coverage as well as the price. Ensure the policy offers adequate protection for both your vehicle and personal liability. Review each provider’s coverage options and limits to find the best fit for your needs.
Besides comparing prices and coverage, it’s useful to evaluate the reputation and customer service of insurance providers. Checking reviews and ratings can help assess their responsiveness and reliability in handling claims and providing assistance. Choosing a provider known for excellent customer service can greatly enhance your insurance experience and satisfaction.
The Importance of Shopping Around for Hummer H3 Car Insurance
Shopping around for HUMMER H3 car insurance is essential, as rates can vary widely between providers based on various factors. By comparing quotes from multiple insurers, you can better understand your options and possibly find more favorable rates. Remember, the cost is crucial, but the quality of coverage and service is equally important.
When shopping for HUMMER H3 car insurance, consider the deductible amount. This is what you pay out of pocket before coverage starts. Choose a deductible that matches your financial situation and risk tolerance, as options vary by provider. Discover more about offerings in our guide titled “What is the difference between a deductible and a premium in car insurance?”
Melanie Musson Published Insurance Expert
It’s crucial to select an insurance provider with a solid reputation and financial stability. A strong track record in customer satisfaction and efficient claims processing is key. Reviewing customer feedback and ratings can help assess the reliability of insurers.
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Tips for Finding Affordable Car Insurance for Your Hummer H3
Although HUMMER H3 insurance rates may be higher, affordable options exist. Maintaining a clean driving record can secure lower rates, as can bundling policies like home and auto. Increasing your deductible and leveraging discounts for safety features or loyalty can also reduce your premiums. Discover insights in our guide titled “Can I bundle my car insurance with other policies?”
Exploring Different Coverage Options for Your Hummer H3
When selecting insurance for your HUMMER H3, assess your needs and budget. Coverage options include liability insurance (required by law and covers damages to others), comprehensive and collision (covers repairs or replacement of your vehicle), and personal injury protection (covers medical expenses).
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Carefully weigh the costs and benefits of each to make an informed choice.
How Your Driving Record Affects the Cost of Insuring a Hummer H3
Your driving record directly influences your HUMMER H3 insurance costs. Insurers assess risk based on your history of traffic violations or accidents, charging higher premiums for those with infractions.
Conversely, a clean driving record can lead to lower rates. Maintaining safe driving habits is crucial for reducing insurance costs for your HUMMER H3. Unlock details in our guide titled “Does your car insurance rate go up the more cars you have?”
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The Impact of Your Location on Hummer H3 Car Insurance Rates
Your location significantly impacts your HUMMER H3 car insurance rates, as insurers factor in local crime rates, population density, and weather conditions.
Living in urban areas with high crime or prone to severe weather can increase premiums, while residing in rural areas with lower crime and less congestion might lower them. Knowing how location influences costs helps you budget for HUMMER H3 insurance. Access comprehensive insights into our guide titled “How does the insurance company determine my premium?”
The Role of Safety Features in Determining Insurance Costs for Hummer H3s
The safety features of your HUMMER H3, such as airbags, anti-lock brakes, and advanced systems like lane departure warnings, can lower insurance costs. Insurers often offer discounts for these protective features, which enhance security and reduce premiums. Unlock details in our guide titled “Best Safety Features Car Insurance Discounts.”
Understanding Deductibles and How They Affect Your Premium for a Hummer H3
Deductibles play a crucial role in determining your HUMMER H3 insurance premium. Essentially, a deductible is what you pay out of pocket before your policy activates. Opting for a higher deductible typically lowers your premium since you’re assuming more financial risk.
However, it’s important to select a deductible amount that aligns with your financial capability to ensure it’s manageable in the event of an accident. Delve into our evaluation of our guide titled “What is voluntary accident insurance?”
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The Relationship Between the Age of Your Vehicle and Car Insurance Rates for a Hummer H3
The age of your HUMMER H3 affects insurance rates; newer models cost more due to higher values, but premiums may decrease as the vehicle ages. However, repair costs and availability of parts can still impact rates for older models. Consult your insurer to understand how age influences your premiums. Learn more in our guide titled “Best Car Insurance by Vehicle.”
Exploring Discounts and Savings Opportunities for Insuring a Hummer H3
Numerous discounts are available for HUMMER H3 insurance. Providers may offer reductions for defensive driving courses, safety features, bundling policies, and insuring multiple vehicles. See more details on our article titled “Multiple owner vehicle who is required to carry insurance.”
Laura Walker Former Licensed Agent
Loyalty discounts are also available for long-term customers. Taking advantage of these opportunities can significantly reduce your HUMMER H3 insurance costs.
Factors to Consider When Choosing an Insurance Provider for Your Hummer H3
When choosing insurance for your HUMMER H3, consider the provider’s reputation, stability, and customer reviews. Ensure their coverage meets your needs and compare rates and features from different insurers to make an informed decision. Discover more about offerings in our article titled “Full Coverage Car Insurance: A Complete Guide.”
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Tips for Lowering the Cost of Car Insurance for Your Hummer H3
To reduce your HUMMER H3 car insurance costs, consider avoiding small claims that don’t exceed your deductible to prevent rate increases. Maintaining a good credit score and enrolling in pay-as-you-drive programs that reward safe driving can also lower premiums. Proactively managing your insurance risk profile is essential for minimizing costs.
In conclusion, HUMMER H3 car insurance costs vary based on model year, driver profile, location, and coverage. Comparing quotes, maintaining a clean driving record, and utilizing discounts can significantly reduce expenses, helping you manage your HUMMER H3 insurance costs effectively. Access comprehensive insights into our article titled “How much insurance coverage do I need?”
Enter your ZIP code below to compare rates from the top providers near you.
Frequently Asked Questions
What factors affect the cost of HUMMER H3 car insurance?
The cost of HUMMER H3 car insurance can be influenced by various factors such as the driver’s age, location, driving record, coverage options, deductible amount, and the insurance provider’s pricing policies.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Are HUMMER H3 cars expensive to insure?
HUMMER H3 cars tend to have higher insurance premiums compared to some other vehicles. Their larger size, higher value, and potentially higher repair costs contribute to the increased insurance rates.
Can I get discounts on HUMMER H3 car insurance?
Yes, it’s possible to obtain discounts on HUMMER H3 car insurance. Insurance providers often offer discounts for factors such as having a good driving record, installing anti-theft devices, completing defensive driving courses, bundling multiple policies, or being a member of certain professional organizations.
Where can I find affordable HUMMER H3 car insurance?
To find affordable HUMMER H3 car insurance, it’s recommended to shop around and compare quotes from multiple insurance providers. Online insurance comparison websites can be helpful in quickly obtaining and comparing quotes from different companies.
Does the HUMMER H3’s safety rating affect insurance costs?
Yes, the safety rating of the HUMMER H3 can impact insurance costs. Vehicles with higher safety ratings generally have lower insurance premiums as they are considered less risky to insure.
To find out more, explore our guide titled “Car Driving Safety Guide for Teens and Parents.”
What type of car insurance is cheapest?
Generally, fully comprehensive insurance tends to be the most affordable, although individual situations can affect the pricing.
What cars are hard to insure?
Generally, certain companies might decline to offer a policy or impose limitations on insuring vehicles with characteristics such as: vans that seat 12 or more passengers, camper vans, cargo vans, step vans, vehicles used for commercial purposes, and those that have been customized or modified.
Which one is better Hummer H2 or H3?
When analyzing the specifications and ratings of the HUMMER H2 and HUMMER H3, the HUMMER H2 excels in base engine power. Conversely, the HUMMER H3 generally offers a more affordable monthly rate for used cars aged one to five years.
How many miles is too much for a Hummer H3?
With consistent upkeep and appropriate care, the engine of a Hummer H3 can endure for several hundred thousand miles. Regular maintenance tasks like frequent oil changes, fluid inspections, and prompt repairs play a crucial role in extending the engine’s lifespan.
To learn more, explore our comprehensive resource on “Best Car Insurance for College Students.”
What age is insurance cheapest?
Maintaining a clean driving record can lead to progressively lower insurance costs during your 30s, 40s, and 50s. However, the lowest premiums typically aren’t available until your late 60s.
What car insurance is the cheapest for full coverage?
American National, Country Financial, Nationwide, Erie, and USAA provide the five most affordable full-coverage insurance policies. Based on our rate data, the national average monthly cost of a full-coverage car insurance policy is approximately $167.
See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool below.
What color car is the most expensive to insure?
The color of your car does not impact your insurance rates. Instead, factors such as your car’s age, location, usage, and your driving history are used by your insurance company to determine monthly insurance rates.
Are older cars cheaper to insure?
Generally, auto insurance for older cars might be less expensive than insuring newer models of the same make if the older vehicle is cheaper to repair or replace.
Learn more by reading our guide titled “How To Get Free Insurance Quotes Online.”
Are Hummers expensive to fix?
The monthly maintenance cost of a Hummer is approximately $55. Repair and maintenance expenses can fluctuate based on the vehicle’s age, mileage, location, and the repair shop used.
What is the life expectancy of a Hummer H3?
Hummers can endure for many years if used properly, thanks to their design which is built to handle rough terrains and severe weather conditions. Often, a Hummer can achieve a lifespan ranging from 300,000 to 500,000 miles.
Do Hummer H3 have transmission problems?
A frequent issue with the Hummer H3 transmission is the total failure of 3rd and/or 4th gear. This typically occurs when one or more of the metal clutch discs within the 4L60E 3-4 clutch pack wear out prematurely, causing the transmission to fail to engage these gears.
Why was Hummer H3 discontinued?
The Hummer’s low fuel efficiency became increasingly impractical as fuel prices rose. A major problem with the Hummer was the scarcity of its parts, especially its tires. These specialized components were hard to find in the market due to their unique specifications and limited production.
Access comprehensive insights into our guide titled “New Car Insurance Discount.”
Why don’t people buy Hummers anymore?
Social factors initially boosted Hummer’s appeal, as it was associated with the status of driving a high-powered military-style vehicle. However, these factors no longer benefit the brand as consumer attitudes have shifted towards more environmentally friendly and fuel-efficient cars.
Are Hummer H3 parts hard to find?
Finding specific parts for this model is challenging because it doesn’t use a standard Chevy frame; it’s based on a Colorado. I searched for about a week to find the AC lines I needed to replace. GM has ceased their production, which complicates the repair process.
Do Hummers waste a lot of gas?
The Hummer H2 is notably bulky and heavy, which, combined with its shape, results in particularly poor aerodynamics. This means it accelerates more slowly compared to more aerodynamically designed vehicles. Overall, the Hummer H2 averages about 11 or 12 miles per gallon.
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code below for the best insurance rates possible.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
