Hummer EV Car Insurance Quotes (2025)
Hummer EV drivers pay an average of $2,676 annually for car insurance.
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Written byAly J. Yale
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Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
GMC Hummer EV insurance averages $158 per month for liability-only coverage and $288 for full coverage. Compared to the national average of $177 per month for full coverage and $100 for liability-only coverage, Hummer EV insurance rates are roughly 48% higher.
The Hummer EV line is a relatively recent addition to the electric vehicle (EV) market. GMC introduced the Hummer EV truck in 2021, followed by the Hummer EV SUV in 2023. Since then, EVs continue to grow in popularity, with GMC reporting sales of more than 32,000 electric vehicles in the third quarter of 2024.[1]
Pricewise, the Hummer EV is more expensive than its competitors. The Rivian R1T, for example, has a starting manufacturer’s suggested retail price (MSRP) of $69,900, while the Hummer EV’s starting MSRP is $99,045.
If you’re considering buying a Hummer EV or want to compare rates, here’s what you need to know.
Quick Facts
Hummer EV drivers pay an average of $223 per month for car insurance.
USAA, State Farm, and Allstate have the cheapest average Hummer insurance rates.
Hummer EV insurance costs vary by model year, insurer, driver profile, and coverage levels.
Cost of Hummer EV insurance by model year
GMC launched the Hummer EV truck in 2021 and the EV SUV in 2023.
While Hummer EV insurance averages $223 per month, USAA, State Farm, and Allstate have the cheapest insurance rates on average for this vehicle. The table below shows average monthly quotes by model year.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2026 | $316 | $170 |
| 2025 | $292 | $158 |
| 2024 | $282 | $152 |
| 2023 | $281 | $152 |
| 2022 | $269 | $145 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2026 Hummer EV is scheduled for release in late summer 2025, with Car and Driver estimating its MSRP between $100,000 and $120,000. A full-coverage policy for the 2026 model will cost an average of $316 per month, and a liability-only policy will cost about $170.
The following table displays average monthly quotes from several of the best insurance companies, according to Insurify data.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $158 $83 State Farm $190 $99 Allstate $212 $109 GEICO $234 $122 American Family $243 $126 Progressive $250 $180 Nationwide $291 $155 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2025 Hummer EV pickup and SUV models have a starting MSRP of $99,045, according to Kelley Blue Book (KBB).[2] [3] Full coverage costs an average of $292 per month, and a liability-only policy averages $158.
The table below shows average monthly quotes for this model year from several of the cheapest insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $146 $77 State Farm $175 $92 Allstate $196 $101 GEICO $216 $114 American Family $225 $117 Progressive $231 $167 Nationwide $269 $144 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Hummer EV SUV’s base MSRP was $80,395, according to KBB, and the EV pickup truck had a starting MSRP of $98,845, according to KBB. Full coverage costs an average of $282 per month, and liability-only coverage averages $152.
Average monthly quotes for the 2024 Hummer EV appear in the table below.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $141 $74 State Farm $169 $88 Allstate $189 $97 GEICO $209 $109 American Family $217 $112 Progressive $223 $161 Nationwide $259 $138 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Hummer EV pickup truck’s MSRP ranged between $100,395 and $113,290, and the EV SUV had a starting base MSRP of $86,645. The table below shows average monthly quotes from the cheapest companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $141 $74 State Farm $169 $88 Allstate $188 $97 GEICO $208 $109 American Family $216 $112 Progressive $222 $161 Nationwide $259 $138 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Hummer EV pickup had a starting MSRP of $110,295 and boasts an estimated 329 miles per charge. Full-coverage and liability-only rates from the cheapest insurers appear in the following table.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $135 $71 State Farm $161 $84 Allstate $188 $97 GEICO $199 $104 American Family $207 $107 Progressive $213 $154 Nationwide $247 $132 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2021 Hummer EV was the first model released and had a starting MSRP of $110,295. Average monthly quotes for the 2021 Hummer EV aren’t included due to insufficient data.
Average cost of Hummer insurance by state
Car insurance rates vary by company and location.[4] The cheapest state to insure a Hummer in is North Carolina, with an average monthly premium of $76.
The map below highlights average Hummer insurance premiums across all models by state. Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $115 |
| Arizona | $141 |
| Arkansas | $208 |
| California | $195 |
| Colorado | $178 |
| Connecticut | $271 |
| Delaware | $199 |
| Florida | $186 |
| Georgia | $202 |
| Idaho | $101 |
| Illinois | $138 |
| Indiana | $117 |
| Iowa | $98 |
| Kansas | $133 |
| Kentucky | $175 |
| Louisiana | $180 |
| Maine | $122 |
| Maryland | $274 |
| Massachusetts | $144 |
| Michigan | $224 |
| Minnesota | $158 |
| Mississippi | $168 |
| Missouri | $157 |
| Montana | $134 |
| Nebraska | $142 |
| Nevada | $227 |
| New Hampshire | $91 |
| New Jersey | $144 |
| New Mexico | $128 |
| New York | $381 |
| North Carolina | $76 |
| North Dakota | $111 |
| Ohio | $105 |
| Oklahoma | $144 |
| Oregon | $130 |
| Pennsylvania | $140 |
| Rhode Island | $119 |
| South Carolina | $218 |
| South Dakota | $105 |
| Tennessee | $121 |
| Texas | $191 |
| Utah | $148 |
| Vermont | $123 |
| Virginia | $156 |
| Washington | $129 |
| Washington D.C. | $278 |
| West Virginia | $127 |
| Wisconsin | $107 |
| Wyoming | $96 |
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How to ensure you have enough coverage on your Hummer EV
When it comes to car insurance, you have several coverage options to choose from.[5] For example, if you finance your car, your lender will likely require you to have comprehensive and collision insurance. Beyond that, your choices depend on your needs, budget, and the risks you face based on where you live and your driving habits.
Consider the following coverages to protect you and your Hummer:
Liability coverage
Nearly every state requires drivers to have liability insurance. This coverage includes bodily injury liability, which pays for injuries you cause to another driver or their passengers, and property damage liability, which covers damage to another person’s vehicle or property. Most experts recommend buying more than the state-required minimum liability coverage to protect yourself financially.
Comprehensive coverage
Comprehensive insurance pays to repair your car after a non-collision event, like hail, fire, vandalism, theft, or damage from a falling object. It may also cover the cost of repairing a cracked windshield.
Collision coverage
Collision insurance pays to repair your car after an accident, regardless of fault.
Medical payments
Medical payments coverage helps with your and your passengers’ medical expenses after a car accident, regardless of fault. It can also cover funeral costs.
Personal injury protection (PIP)
PIP coverage pays for your and your passengers’ medical expenses, lost wages, and essential services (such as child care or house cleaning) while you recover.
Uninsured/underinsured motorist
Uninsured motorist coverage helps pay for your injuries and car repairs if a driver who doesn’t have insurance (or is underinsured) hits you.
Hummer EV car insurance FAQs
Many factors influence your Hummer EV car insurance premium. Answers to the following frequently asked questions can provide additional information.
The cheapest company for Hummer EV insurance is USAA, with full coverage averaging $113 per month and liability-only coverage costing about $60. But USAA is available only to military members and their families. State Farm also has cheap Hummer EV insurance, averaging $136 per month for full coverage and $71 for liability-only coverage.
Yes. Insuring a Hummer EV averages $2,676 per year. This is about 48% higher than the national average cost of insurance in the U.S., which is $1,661.
It costs $223 per month, on average, to insure a Hummer EV. Full-coverage insurance averages $288 per month, and liability-only coverage averages $158.
Insurance premiums for EVs are typically more expensive than for non-electric models. For comparison, the Hummer H2’s overall insurance premium averages $138 per month, and the Hummer H3’s average monthly premium is $112. Tesla premiums average $220 per month, which is comparable to the Hummer EV’s average insurance costs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- GM News. "GM surges past 300,000 EVs sold in the U.S.."
- Kelley Blue Book. "2025 GMC HUMMER EV SUV."
- Kelley Blue Book. "2025 GMC HUMMER EV Pickup Overview."
- Insurance Informatiom institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto Insurance Basics."
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Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.