Best Car Insurance for Hummer 2022

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Car Insurance for Hummer

On average, Hummer drivers pay $1,479 each year for car insurance. But depending on the model you have, your insurance rates could vary. A H3 Alpha costs ${topModelandThirdModelDifference} more per year to insure than a H3.
The civilian make for AM General’s Humvee, the Hummer was first marketed in 1992 with the same structure as its military counterparts. It provided upgraded interiors, stereo systems, wood trim, and additional convenience packages. Though it was made defunct in 2010, Hummer re-launched as a sub-brand of GMC in 2020.
If you choose to purchase a Hummer, you’ll want to have the right car insurance to keep your ride protected.
The amount you pay for insurance will depend on the model you drive and personal factors unique to you. Luckily, Jerry is here to provide you with competitive quotes in under a minute. A licensed broker that offers end-to-end support, Jerry compares coverage, helps you switch plans, and will even help you cancel your old policy.
Here are some real quotes from Jerry customers who saved money when insuring their Hummer.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
October 12, 2021Hummer H3Groesbeck, TX76642Leah F.29Progressive$125/mo.$73/mo.
April 4, 2022Hummer H3Caldwell, TX77836Virginia R.66Dairyland$112/mo.$74/mo.
January 17, 2022Hummer H3Jay, OK74346Jeffrey W.21Safeco$160/mo.$99/mo.
February 23, 2022Hummer H2Buford, GA30518Devin S.27Progressive$240/mo.$138/mo.
January 21, 2022Hummer H3Winchester, VA22601Carrie B.19Assurance America$230/mo.$172/mo.
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Insurance for Hummer models

Though they are under the same brand name, insurance premiums for Hummers can vary depending on the age and specific make of the vehicle.

Insurance for Hummer based on the year of the car

That brand new all-electric Hummer EV might be tempting—we get it. But if you’re looking to save on your insurance costs, a used Hummer might be a better choice.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. That means lower premiums for you.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Hummers are 2010 and 2003.
The most expensive years for Hummers are 2008 and 2009.
Year
Average Cost
Annual Savings with Jerry
2010$1,416$489Compare Prices
2009$2,589$731Compare Prices
2008$3,569$1,549Compare Prices
2007$2,048$703Compare Prices
2006$2,407$725Compare Prices
2005$2,808$978Compare Prices
2004$2,614$1,127Compare Prices
2003$2,076$841Compare Prices
Key Takeaway Older Hummer models typically cost less to repair or replace than newer ones and may not be leased or financed, so they usually have lower insurance premiums.
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Insurance for different models of Hummer

The Hummer model you choose can also impact your insurance premium. More expensive cars cost more to repair or replace, which generally translates to higher insurance premiums.
The car’s model is an important factor in determining insurance rates. Sedans and compact SUVs are cheaper to insure than luxury vehicles and large SUVs, thanks to lower prices, higher safety ratings, and less expensive repair costs.
The larger H2 has one of the highest average insurance rates for a Hummer because of its substantial size, powerful engine, and premium features. It was also designed to be a luxury SUV.
Comparatively, the downsized H3 will be one of the more inexpensive Hummer models to insure. While it still boasts the large size associated with the Hummer brand, it’s smaller than the H2 and intended for the average consumer.
If you want to learn more about car insurance costs for some of the most popular Hummer models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more expensive your insurance premiums tend to be.
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Full coverage vs. minimum coverage for your Hummer

Your premium will likely differ depending on the types of coverage and add-ons you choose. Each state has its own mandatory minimum insurance requirements, so make sure you know your local laws before you sign up for a new policy.
Liability insurance covers other drivers and their property if you cause an accident. Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Other states may also require additional mandatory insurance, such as uninsured or underinsured motorist protection. This covers damages if you’re in an accident with an uninsured or underinsured driver.
It’s almost always a good idea to buy more than just the mandatory minimum insurance. Even a relatively minor accident can result in thousands of dollars in damage and medical bills—and if you don’t have sufficient insurance, you’ll have to pay those costs out of pocket.
If you’re leasing or financing a Hummer, your lender or dealer will likely require you to purchase full-coverage insurance. You should also purchase full coverage if you can’t afford to replace your car if it’s totaled.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Hummer is $1,210 per year for minimum car insurance and $1,132 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure a Hummer with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Hummer$2,176$1,393$1,998$1,183$1,884$1,326
Hummer
All Coverage Before Jerry
$2,176
All Coverage After Jerry
$1,393
Minimum Coverage Before Jerry
$1,998
Minimum Coverage After Jerry
$1,183
Full Coverage Before Jerry
$1,884
Full Coverage After Jerry
$1,326
As a brand that produces models for both the luxury buyer and the average consumer, and manufactures particularly large vehicles, insuring your Hummer can get pretty pricey.
Compared to other full-size truck and SUV brands—like Ram and GMC—insurance premiums for Hummers tend to be about the same, if not slightly higher.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Hummer

The age of the car, specific model, and type of insurance you have will play a part in determining your insurance costs. But insurers will also take into account individual demographics and other variables when setting rates.

The model of Hummer you drive

Your car’s model can greatly impact your insurance premiums. As mentioned above, opting for the larger H2 will generally lead to higher premiums compared to its smaller counterpart, the H3. But even within the same model, your insurance rates can vary.
The majority of vehicles come in different trim levels—that is, versions of the same model with different features and additions. A higher trim can come with steeper insurance costs.
For example, here’s what insurance you might want to consider for an H3.
TrimFeaturesRecommended coverageReason for coverage
H3 BaseThe base H3 trim features all-terrain tires, skid plates, and cruise control.Towing and Labor coverageIn case your H3 ever breaks down while exploring off-road, towing and labor coverage will cover your expenses.
H3 LuxuryThe top-of-the-line trim includes leather upholstery, power-adjustable and heated front seats, and a premium stereo system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)With the availability for system upgrades, sound system coverage will protect you if your updated audio equipment is stolen.

Your insurance company

Your demographic information, driving record, and location are all important factors in your insurance rate. But each insurance company has a slightly different formula for setting premiums, which means that rates for the same coverage can vary significantly among providers.
The best way to find the right coverage for the best price is to compare rates from multiple providers. If you want to do it the hard way, you can head to their websites and fill out those long forms to request quotes.
If you prefer to take the easy road (and who doesn’t?), let Jerry do all that hard work for you.
Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 45 top providers. Don’t lose coverage, find savings with Jerry.
Here’s what Hummer drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$2,794$1,229Compare Prices
Progressive$2,372$940Compare Prices
Safeco$2,710$904Compare Prices
Allstate$2,467$776Compare Prices
National General$2,128$662Compare Prices
Travelers$2,076$631Compare Prices
State Auto$2,910$448Compare Prices
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Your age

Your age and driving experience will impact the insurance rates offered to you by providers.
Statistics show that young drivers are more likely to get into an accident and engage in risky driving behavior than mature drivers, classifying them as high-risk drivers. Accordingly, young drivers usually pay more for their car insurance.

Your driving record

Drivers without clean records also pay more.
A minor offense, like a speeding ticket, might cause your rates to increase a bit, but serious offenses, like DUIs or reckless driving convictions, will have a significant negative impact over the long term.
Improving your driving habits and keeping a clean record moving forward will help you obtain lower premiums over time.
Here are some common insurance premiums for Hummer drivers with previous infractions:
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Where you live

Where you live will affect your insurance rates. And since different areas have different rates of collisions, crime, and natural disasters, premiums can vary pretty significantly within the same county or state.
If you live in a city with lots of vehicle thefts and accidents or experience severe weather events, you’re likely to pay more for your insurance. Conversely, rural areas with few thefts and collisions tend to have lower rates. According to our data, there is a high percentage of Hummer drivers in cities including Flowery-Branch (GA), Groesbeck (TX), Leesburg (VA), Orlando (FL) and Middletown (OH). The cheapest car insurance for Hummer for Jerry users is in Scott-City (KS) and Worcester (MA). The most expensive car insurance for Hummer for Jerry users is in Flowery-Branch (GA) and Lakeland (FL).
Regardless of where you live, your demographics, or the model of Hummer you drive, you can find the best rates on car insurance by shopping with Jerry.
Jerry is a licensed broker that offers end-to-end support. The free app gathers affordable quotes from over 50 top insurance providers, helps you switch plans, and even cancels your old policy for you. Finding cheap insurance has never been easier!

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