The Hummer brand was introduced in 1992 when AM General began selling a civilian version of the M998 Humvee military vehicle. In 1998, GM purchased the brand name and marketed three vehicles: the original H1 based on the military Humvee and the new, more civilian-oriented H2 and H3, which were outfitted with more luxury features. After being discontinued in 2010, Hummer made a comeback in 2020 as a sub-brand of GMC.
While the popularity of Hummers has diminished since their heyday, they are still popular among many drivers. If you purchase a Hummer, you’ll want to know how and where to insure it properly. It can cost around $2,004 per year ($167 per month), on average, to insure a Hummer H3. This is higher than the national average insurance cost of $1,759.
Our guide to Hummer insurance provides information on how to get insurance and how much it might cost. You can get more information about Hummer insurance from an independent insurance agent in your area.
In This Article:
How Much Does a Hummer Cost to Insure by Model?
Are Hummers Expensive to Insure?
Why Do Insurance Costs Differ Between Hummer Models?
Where Can I Get Hummer Insurance?
How Can an Independent Insurance Agent Help You Get Hummer Insurance?
How Much Does a Hummer Cost to Insure by Model?
The cost to insure a Hummer can vary depending on the model and its unique features. But you’ll find that, no matter which Hummer model or model year you drive, your insurance costs will be higher than average.
Hummers are both expensive and large and powerful. The high purchase price, coupled with the size and power factors, leads to generally higher insurance costs. Insurance premiums will vary by Hummer model depending on its age, size, value, power, and premium features.
We’ve looked into the cost of insuring several Hummer models and found the following:
| Hummer Model | Average Annual Cost of Car Insurance |
|---|---|
| Hummer H2 | $1,932 |
| Hummer H3 | $2,004 |
An independent insurance agent near you can help you find Hummer insurance for whatever model you purchase.
Are Hummers Expensive to Insure?
Hummers can cost more than the national average for car insurance. Here are some reasons why:
- High sticker price: New Hummers have a relatively high purchase price, leading to higher insurance premiums. You may be able to save by purchasing an older model whose value has depreciated.
- Size and power: Because of their large size and power, Hummers can cause significant damage to other vehicles and passengers if they’re involved in an accident. This leads to higher insurance costs for most Hummers, regardless of the model year.
The personal characteristics of the owner also play a role in Hummer insurance costs. Your driving record, past claim history, age, gender, marital status, annual mileage, and other aspects of your driver profile can all contribute to higher (or lower) insurance costs, depending on how much risk you are perceived to have.
Why Do Insurance Costs Differ Between Hummer Models?
Car insurance costs differ by model depending on several factors.
Because Hummer models differ by size, power, safety features, luxury features, purchase price, and more, insurance for each model will vary to reflect the level of risk.
Where Can I Get Hummer Insurance?
Here are some top-rated companies that offer Hummer insurance:
- Travelers
- Progressive
- USAA
- Liberty Mutual
An independent insurance agent in your area can help you find the best insurance company for your Hummer.
FAQs About Hummer Insurance
Is car insurance for a Hummer expensive?
Our research shows that Hummer insurance is typically more than the national average car insurance cost of $1,759 per year.
What's the most expensive model of Hummer to insure?
Among the insurance companies we reviewed, we found that the Hummer H3 model is the most expensive to insure. According to our research, the average annual insurance cost for a Hummer H3 is $2,004.
What's the cheapest model of Hummer to insure?
The Hummer H2 is the least expensive Hummer model to insure among the models we reviewed. While the H2 had a very high purchase price for new models, most were made in the early 2000s, and their value has decreased over time. The average cost to insure a Hummer H2 is $1,932 per year, which is still above the national car insurance average of $1,759 per year.
How Can an Independent Insurance Agent Help You Get Hummer Insurance?
You can get Hummer insurance by working with an independent insurance agent in your area. Independent agents can help you shop around and compare quotes from multiple insurance companies so you can make the best choice. With access to numerous insurance companies nationwide, an independent agent can ensure you get the coverage you need for your Hummer.
Sources
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://jerry.ai/car-insurance/hummer/h2/
https://jerry.ai/car-insurance/hummer/h3/#:~:text=How%20much%20car%20insurance%20do%20you%20need,level%2C%20driving%20history%20coverage%20levels%2C%20and%20more.