Hummer Insurance

What You Should Know About Hummer Insurance

Hummer H1

Hummers are ideal for those that want a solid and reliable vehicle. Though the Hummer brand is no longer producing vehicles, there are many used Hummers available for purchase. These vehicles do not get very good gas mileage so recent hikes in gas prices led many Hummer owners to trade their vehicles in for more fuel efficient models. If the cost of fuel is of no concern to you and you want to navigate the roadways in your very own Hummer, you will want to be certain that you are insuring it with a suitable insurance policy.

Agents in the Trusted Choice® network can help you find competitively-priced Hummer car insurance policies so that you can be sure you are not overpaying for your coverage. These agents can answer your insurance-related questions and can advise you about your various coverage options. Find a member agent near you today to learn more about Hummer insurance.

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Hummer Fast-Facts

  • The military version of this vehicle, known as a Humvee, was first produced by AM General in 1983
  • The civilian version, known as a Hummer, was first produced by AM General in 1992
  • Hummer ceased production of vehicles in 2010
  • Hummers are classified as Class 3 trucks, but a special license is not needed to drive them
  • Until the production of the H3, all Hummers had automatic transmissions only
  • The EPA does not release gas mileage statistics on Hummers because they are classified as heavy vehicles and are therefore exempt from reporting

Hummers Score Well in Safety Rating Tests

Because they are Class 3 trucks, Hummers are exempt from many DOT safety standards including passive restraints and third brake-lights. These vehicles do, however, have padded dashboards and collapsible steering columns. They also have steel roofs and doors that add to their safety in crashes. All Hummers come standard with anti-lock disc brakes, traction and stability control, hill-start assist, full-length side curtain airbags and an OnStar security and navigation system.

The Hummer H3 has performed well in crash testing.

  • From government crash testing in 2010:
    • In front-impact tests, this vehicle rated a perfect five out of five stars for driver protection and four out of five stars for passenger protection.
    • In side impact tests, it rated five out of five stars for both front and rear seat passengers.
  • The Insurance Institute for Highway Safety Tests rates Hummer “acceptable” in both front and side-impact crash testing.

Because of the way they are built, when Hummers are involved in motor vehicle collisions, drivers in other cars are very likely to suffer severe property damage and injuries. If you own one of these large, heavy trucks, it may be a wise choice to purchase additional liability insurance coverage.

Hummers and Auto Theft

Hummers are great in off-road situations, but are a bit slow and cumbersome on the roads. This fact, and their notoriously poor gas mileage, however, does not deter car thieves from targeting these vehicles for joy rides. In fact, Hummers are among the most stolen vehicles in the United States.

In a list of the Top-10 most stolen vehicle compiled by Forbes Magazine in 2008, both the Hummer H2 and the Hummer H2 SUT made the list. At the time, the H2 was stolen at a rate of 8.7 thefts per 1,000 vehicles and the H2 SUT had a rate of 10 thefts per 1,000 vehicles. In recent years, Hummers no longer made the list and this may be attributed to there being fewer of these vehicles in use on the road today.

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How Much Does Hummer Auto Insurance Cost?

Several factors will determine your auto insurance rates, including your personal driving record, the number of miles you drive in an average month, and the amount of insurance you are purchasing. Another factor that can greatly influence insurance costs is the type of vehicle you are insuring, and unfortunately for Hummer owners, insurance on these vehicles is rather expensive.

The average cost to insurance a Hummer H2 in 2009 was $1,912 a year for a policy that covered liability in the amount of 100/300/50. This means it would cover up to $100,000 for injuries to one person, up to $300,000 for all injuries to others per accident and offered $50,000 in property damage coverage. These coverage amounts are much higher than state imposed minimums, but are necessary due to the increased chance that you will cause grave injuries to others if you are involved in a collision while driving your Hummer.

These vehicles are also very expensive. An H2 can cost as much as $70,000 and an H1 will cost more than $100,000. For this reason, you will want to be sure to include comprehensive and collision coverage with your insurance policy to protect you from overwhelming losses if your vehicle is lost or stolen.

What Are Some Top Selling Hummer Models?

Hummer H1

Hummer H1: AM General produce the original Hummer H1 from 1992 through 2006. In its final year of production the H1 sold for $129,399 for the open-top model, $140,796 for the wagon version and $150,975 for the Alpha version. These vehicles:

  • Come with a 3, 4 or 5-speed automatic transmission
  • Feature a 300 horsepower engine output and 520 foot-pounds of torque
  • Weigh about 7,100 pounds

Hummer H2

Hummer H2: General Motors marketed the H2 SUV and SUT under the Hummer name from 2003 through 2009. It was meant to be a more consumer friendly version of the H1. This 6,300 lb vehicle got about 10 miles per gallon and was nominated for Truck of Year in 2003 because of its power and stability. Hummer H2s brought the power of a truck to the luxury car market. The H2 sold at a base price of $53,286, and the 2008 and 2009 models came equipped with the following as part of the standard package:

  • Tri-zone climate control
  • 6-disc CD changer with a BOSE sound system
  • Leather heated seats
  • 8-way power front seats
  • Independent front and rear suspension, universal garage door opener and remote engine start

Hummer H3

Hummer H3: The H3 SUV is the lightest of the models, at about 4,700 pounds. General Motors produced the H3 SUV from 2005 through 2010. It featured a 220 horsepower engine that delivered 225 foot-pounds of torque and got about 14 miles to the gallon, which was an improvement over its predecessors. Its four-wheel-drive system made it ideal for both on-road and off-road driving and models with a V8 engine could tow up to 6,000 pounds. This model scored well in all aspects of safety standard testing except AWD rollover where it rated only 3 out of 5 stars. These vehicles sold for about $35,000 in 2010

Start Comparing Hummer Insurance Quotes

Hummers are expensive to purchase, own and insure, but for some drivers, these vehicles are the perfect choice for their road adventures. If you are considering purchasing one of these large and powerful vehicles, be sure to factor in insurance and fuel costs when determining how much owning one of these vehicles will set you back each month. If you already own a Hummer, take a moment to review your current insurance policy.

An agent in the Trusted choice network can help you determine whether you are properly protecting your assets with enough liability insurance and can ensure that you are receiving your insurance coverage at a competitive rate. These agents can work with several different insurance providers to find you a Hummer insurance policy that meets your coverage and your budgetary needs. Contact a local member agent now and you can start comparing Hummer car insurance quotes today.

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