Hummer Insurance

What You Should Know About Hummer Insurance

(And how you can find the right coverage today)

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.

Independent Agents in our 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.

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.

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.

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 independent agent in our 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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