How Much Does It Cost to Insure a Hummer?

Last Updated on March 18, 2022

Hummers aren’t known for being cheap. However, many are surprised by the cost of Hummer car insurance.

According to average quotes provided to our model driver profiles, the average Hummer driver in the United States pays around $1,763 per year for full coverage car insurance. However, rates vary widely based on Hummer model type, Hummer age, state insurance laws, and demographic factors.

Keep reading to discover everything you need to know about the cost of insuring a Hummer in the United States.

Table of Contents:

The Average Hummer Driver Pays $1,763 Per Year

According to our research, the average Hummer driver in the United States pays around $1,763 per year for full coverage car insurance.

Full coverage car insurance includes liability insurance (required in most states) along with collision coverage and comprehensive coverage (both optional in all states).

If you only buy basic liability insurance for your Hummer, then you’ll pay an average of around $993 per year for Hummer car insurance.

Overall, it costs more to insure a Hummer than it costs to insure an average vehicle in the United States. The average American pays around $1,450 per year for full coverage car insurance, for example, and around $755 per year for liability insurance. For various reasons, most Hummer drivers pay higher insurance premiums than the average American.

Hummer Insurance Premiums Vary Based on Age

AM General’s Humvee, known as the Hummer, first launched in 1992. It was designed to mimic the structure of its military counterpart – but with upgraded interiors, better trim, and a superior stereo, among other perks.

Hummer was made defunct in 2010, although GMC relaunched the Hummer brand in 2020.

If you own a pre-2010 Hummer, then you’ll pay much less for full coverage car insurance than someone with a newer Hummer (2020 model or newer). Older Hummers are worth less, which means there’s less risk for the insurer. Newer Hummers are worth more, which means you’ll pay higher insurance premiums.

Hummer Insurance Premiums by Hummer Type

Vehicle model is an important factor in calculating insurance premiums. Your insurer will check your Hummer model number before calculating insurance premiums.

H2: The Hummer H2 has some of the highest average insurance premiums in the country because of its size and power. In an accident with other vehicles, the H2 can cause significant damage to people and property, raising risks for insurers. The H2 is also outfitted with premium features and luxury options, both of which raise repair and replacement costs for insurers. Generally, H2 owners pay higher insurance premiums, with the average H2 owner paying $1,803 per year for full coverage car insurance.

H3: The smaller H3 is a cheaper Hummer to insure. It still has the distinctive, large size associated with the Hummer brand, but it’s designed for more ordinary usage and has a lower price for average consumers. The average H3 insurance premium in the United States is around $1,664 per year for full coverage auto insurance.

H1: Although not as common as the H2 and H3, the H1 is a large and powerful vehicle with an MSRP of around $70,000, making it one of the costliest types of Hummers to insure. However, most H1s were made in the early 2000s and are less valuable today than they were at launch, which lowers the cost of insuring the vehicle. Expect to pay around $1,344 per year for full coverage car insurance on an H1.

How Much Does Hummer EV Insurance Cost?

GMC’s Hummer EV is a big SUV with comparable insurance premiums to the Chevrolet Tahoe, Ford Expedition, and GMC Yukon.

Depending on your trim level, your Hummer EV insurance premiums could be anywhere from $1,931 to $2,439 per year for full coverage car insurance, according to our research.

Expect to pay the lowest prices for the Hummer EV2, with higher prices for the EV2, EV3X, and Edition1 trim options.

Although the Hummer EV has comparable insurance premiums to other big SUVs, the Hummer EV tends to have some of the highest insurance premiums in its class, trailing only the Jeep Grand Wagoneer in terms of costly insurance premiums (the average Jeep Grand Wagoneer pays around $2,098 per year for full coverage car insurance).

Other Factors that Affect Hummer Car Insurance Premiums

Insurers consider hundreds of factors when calculating car insurance premiums. Some of the other things that impact the price of Hummer car insurance include:

Minimum Liability Versus Full Coverage: Most states only require bodily injury and property damage liability coverage. These coverages protect other drivers and property, but they don’t protect your own Hummer. If you have a minimum liability insurance plan, you’ll pay nearly $800 less, on average, than a Hummer owner with a full coverage plan.

State Insurance Laws: Hummer drivers in Idaho pay around $1,134 per year for full coverage car insurance, while Hummer drivers in Michigan and Florida pay over $3,000 per year. State insurance laws and other region-specific factors significantly raise or lower the cost of Hummer car insurance.

Driving History and Demographics: Insurers consider your driver profile before calculating Hummer insurance rates. A Hummer driver with multiple DUIs and a vehicular manslaughter charge will pay significantly more for car insurance than a Hummer driver with a clean record. Similarly, your age and gender affect the cost of Hummer car insurance in most states.

Credit Score: Insurers use your credit score to calculate insurance premiums. Drivers with a higher credit score tend to pay less for car insurance than drivers with a poorer credit score. Using credit scores for insurance premiums is banned in three states, including Massachusetts, Hawaii, and California. In all other states, however, your credit score will raise or lower the cost of Hummer car insurance.

Model Type: As mentioned above, Hummer model type affects the price of car insurance. If you drive an H2, you’ll typically pay more for car insurance than someone driving an H3. Insurers consider vehicle safety rating, average accident damages, vehicle value, and other factors when calculating model-specific insurance premiums.

Vehicle Value and Age: If you drive an original Hummer from the 1990s or 2000s, then your vehicle could be worth less than a 2020 or later Hummer. Insurers protect the value of your vehicle after a loss or damages. If your vehicle is worth more money, you’ll pay more for car insurance

Your Insurance Company: Some insurers are known for offering discount rates on auto insurance, while others are known for charging premium rates for premium service. Depending on your insurer, your insurer’s discounts, and other insurer-specific perks, you could pay more or less for Hummer car insurance.

Safety Ratings: Hummers have good safety ratings, but they’re not perfect. The Insurance Institute for Highway Safety gave the H2 an “Acceptable” score for safety based on its performance in accidents. That’s one level below the highest rating of “Good.” Most big SUVs have similar safety ratings, but the average safety ratings for the Hummer could raise insurance premiums.

ZIP Code: Insurers consider your ZIP code when calculating the average cost of Hummer car insurance. If you park your Hummer every night in a ZIP code with high rates of vehicle theft, you’ll pay more for Hummer car insurance than someone who parks their car in a locked garage in a ZIP code with lower crime rates. Insurers use ZIP code to calculate average Hummer insurance premiums.

Final Word: Compare Quotes to Save Money on Hummer Car Insurance

Hummer car insurance is more expensive than the average car insurance policy in the United States.

Hummers are larger than other cars and tend to have average safety ratings, both of which increase the cost of an accident for insurers. Hummers also tend to be more valuable than an average vehicle, which means the insurer is taking on more risk.

Shop around with multiple insurers to find the cheapest Hummer car insurance in your region.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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