Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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UPDATED: Jun 24, 2020

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Cheap Hummer H2 Insurance Key Takeaways
Hummer H2 DetailsStatisticsSource
Latest Hummer H2 Typical Listing Price$34,216 (SUV)
$39,093 (SUT)
Kelley Blue Book
Overall Safety RatingsN/AN/A
Number of Vehicle Thefts8.7 thefts per 1,000 Hummer H2 SUVs
10 thefts per 1,000 Hummer H2 SUTs
Highway Loss Data Institute
Average Cost of RepairsMaintenance: $374
Repair: $745
RepairPal
Fatality Rate for Vehicle Size17 per million people (Large SUV) 13 per million people (Very Large SUV)Insurance Institute of High Safety (IIHS)
Frequency of Claims7.3 per 100 insured vehicle yearsInsurance Information Institute (III)
Liability Average Premium$478National Association of Insurance Commissioners (NAIC)
Collision Average Premium$301National Association of Insurance Commissioners (NAIC)
Comprehensive Average Premium$136National Association of Insurance Commissioners (NAIC)
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Are you searching for facts about cheap Hummer H2 auto insurance? In this short guide, we’ll go into extensive detail about Hummer H2s, including cheap auto insurance rates, vehicle size, vehicle theft rates, and other factors.

While it might have an attractive sticker price, you should always consider the costs of ownership. What will fuel economy look like? Are they costly to maintain? What will your insurance premiums be on an annual or monthly basis? It doesn’t just end at the MSRP.

We’ll answer all of your questions about the cost of owning and insuring a Hummer H2 right here.

To get a look at a quote for Hummer H2 insurance right now, enter your ZIP code in the free quote tool above. If you’d like to learn more about how to save money on your Hummer H2 insurance, read on.

How much does auto insurance cost on a Hummer H2?

Hummers started out as military vehicles in the late 70’s, starting with the H1. The H2 is bigger than the H1, though it looks around the same size. It was discontinued in 2009.

From 2002 to 2009, the Hummer H2 was one of the most popular SUV models in the U.S. The design is modeled after military vehicles with a luxurious interior, offroad driving capabilities, and an exterior built to endure tough conditions.

So where does the Hummer H2 stand today? Now that it’s more than a decade old, what does it cost to insure an H2?

Insurance rates will be based on the model year and the condition of your Hummer H2, and even though they are older vehicles now, they’re still pricey high-end SUVs.

In the following sections, we will break down the average cost of each type of car insurance coverage for the Hummer H2.

How does the frequency of claims filed on Hummer H2 affect auto insurance rates overall?

Hummer H2 does not have model years beyond 2009, so the frequency of claims regarding collision coverage losses cannot be measured based on the 2016-2018 model years.

According to the Insurance Information Institute (III), all passenger vehicles in the 2016-2018 model years had a claim frequency of 7.3 per 100 insured vehicle years.

A vehicle year is equivalent to 365 days of auto insurance coverage for one vehicle.

The III reported that the 2016-2017 overall loss of SUVs, like Hummer H2, had an overall loss of $393. Premiums for collision coverage are roughly around that range. That’s one of the reasons why auto insurance rate increases are justified.

Most drivers own smaller, compact sedans. Based on driving records, the area in which a motorist lives, and the age of the driver, liability coverage could cost more money for a driver who owns a Hummer H2.

Let’s see the liability rates for Hummer H2.

Hummer H2 Liability Auto Insurance Coverage Reates
Make and Model YearLiability Coverage Rates
2009 Hummer H2$475
2008 Hummer H2$472
2007 Hummer H2$477
2006 Hummer H2$489
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During the time this vehicle was popular, auto insurance was rather affordable for motorists. Now, these premiums are based on the average, so the premiums for auto insurance for a Hummer H2 was more expensive for younger and single motorists.

How does the size and class of Hummer H2 affect liability rates?

What is a Hummer classified as and how does that affect insurance? Hummer H2s are powerful vehicles with a higher towing capacity than some pickups.

Here’s a summarized portion of the car size data for the vehicle.

IIHS SUV Vehicle Size and Curb Weight
SUV Vehicle SizeCurb Weight
Small3,001-3,750 lbs
Midsize3,751-4,750 lbs
Large4,751-5,750 lbs
Very large> 5,750 lbs or shadow > 115 sq ft
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The Hummer H2 is a full-size SUV (sometimes called very large SUV). It has two body styles: a truck and an SUV. Here’s a list of vehicles that are roughly the same size as the Hummer H2 and are in the same class.

  • Chevrolet Avalanche 1500 four-door
  • Chevrolet Avalanche 1500 four-door, 4WD
  • Chevrolet Suburban 1500 four-door
  • Chevrolet Suburban 1500 four-door, 4WD
  • Chevrolet Suburban 2500 four-door, 4WD
  • Ford Expedition EL four-door
  • Ford Expedition EL four-door, 4WD
  • GMC Yukon XL 1500 four-door
  • GMC Yukon XL 1500 four-door, 4WD
  • GMC Yukon XL 2500 four-door, 4WD
  • Hummer H2 four-door, 4WD
  • Hummer H2 SUT four-door, 4WD

The latest Hummer model is called the 2009 Hummer H2. Here are specs of the Hummer H2.

Hummer H2 Vehicle Specifications
Hummer H2 Vehicle SummaryVehicle Stats
ClassSUV, SUT
Curb Weight6,400 lbs. (6.0L V8)
6,614 lbs (6.2L V8)
Dimensions203.5 in. L x 81.3 in W x 77.8 in H (2002-03 models)
203.5 in. L x 81.3 in. W x 79.0 in H (2004-09 models)
Engine6.0L V8 (2002-07)
6.2L V8 (2008-09)
Fuel Tank Capacity32 gal.
Horsepower316 hp (models 2002-03)
325 hp (models 2004-07)
393 hp (models 2008-09)
Towing Capacity8,200 lbs.
Transmission4L60E Four-Speed (2002-04 models)
4L65E Four-Speed (2005-07)
6L80E Six-Speed (2008-09) Automatic
Vehicle ModelsSport Utility Vehicle (SUV)
Sport Utility Truck (SUT)
Vehicle SizeLarge/Very Large
Wheelbase122.8 in.
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Weight is important when vehicles collide, as the III reports. The larger vehicle will push the lighter vehicle backward during the impact. The people inside the larger, heavier vehicle will encounter less force, while the people in the lighter vehicle will encounter the majority of the force.

The following video review of the Hummer H2 shows just how big and powerful it really is.

It is a large vehicle, but how does it perform in crash statistics?

In recent years, the NHSTA reports, vehicle improvements in crash protection have made vehicles of all sizes safer, though bigger vehicles are still safer than smaller ones. Crash deaths decline as vehicle size increases.

Bodily injury liability is a part of liability coverage that says that an at-fault, insured driver’s insurance company will cover any medical cost that involves bodily injury.

Some states require additional coverage such as PIP and MedPay, which further protects a no-fault driver if they endure loss wages or if there are additional medical payments after an accident.

Since SUVs are generally built to protect drivers, auto insurance companies are likely to give policyholders with these types of vehicles a discount. This will ultimately lower payments.

IIHS Bodily Injury Auto Insurance Losses
Vehicle Make and Model2006-08 Bodily Injury Auto Insurance Losses
Chevrolet Avalanche 1500 4dr 4WD-22%
Chevrolet Suburban 1500 4dr 4WD-22%
GMC Yukon XL 1500 4dr 4WD-18%
Chevrolet Suburban 1500 4dr12%
GMC Yukon XL 1500 4dr21%
Chevrolet Avalanche 1500 4dr29%
Hummer H2 4dr 4WD32%
Chevrolet Suburban 2500 4dr 4WD-
Ford Expedition EL 4dr-
Ford Expedition EL 4dr 4WD-
GMC Yukon XL 2500 4dr 4WD-
Hummer H2 SUT 4dr 4WD-
Get Your Rates Quote Now

For 2006-2008 Hummer H2 models, the bodily injury coverage was substantially worse than average, which is 32 percent more than average auto insurance rates.

How much is bodily injury coverage per month? Liability auto insurance shows the final cost of auto insurance without actually breaking down each factor of insurance. Here’s the most recent quote for an ’09 Hummer H2.

2009 Hummer H2 Coverage Level Quotes – Bodily Injury Auto Insurance
Coverage Level for Bodily Injury Auto InsuranceBodily Injury Coverage RuleGeico Monthly Rates
Low25/50$241
Medium50/100$322
High100/300$400
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We’ve included the coverage level based on Chicago, Ill., minimum requirements for auto insurance as an example. See how the coverage level can determine auto insurance rates per month. Each quote is based on Illinois’ average for auto insurance. When discounts are factored into the quotes, auto insurance rates become cheaper.

Property damage liability is another factor of minimum liability coverage. In liability coverage, the at-fault driver’s auto insurance will pay for a no-fault driver’s property damage.

The Hummer H2 does a great job of protecting its driver. Most motorists in the U.S. own a sedan, and a driver in an SUV or SUT may sustain less damage than a smaller vehicle. Therefore, the cost of property damage can be expensive for a policyholder with a Hummer H2.

Let’s take a look at a data table based on IIHS data that shows the percent difference from average property damage liability rates, which is under liability coverage.

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IIHS Property Damage Auto Insurance Losses
Vehicle Make and Model2007-09 Property Damage
Auto Insurance Losses
2006-08 Property Damage
Auto Insurance Losses
Chevrolet Suburban 2500 4dr 4WD11%-
Ford Expedition EL 4dr11%3%
Chevrolet Suburban 1500 4dr27%26%
Chevrolet Avalanche 1500 4dr 4WD29%3%
GMC Yukon XL 1500 4dr31%34%
Chevrolet Avalanche 1500 4dr33%40%
Ford Expedition EL 4dr 4WD34%-7%
GMC Yukon XL 1500 4dr 4WD43%20%
Chevrolet Suburban 1500 4dr 4WD49%17%
Hummer H2 4dr 4WD106%87%
Hummer H2 SUT 4dr 4WD120%119%
GMC Yukon XL 2500 4dr 4WD--
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The Hummer H2 2006 to 2008 models had rates that were 87 percent worse than average. This could mean auto insurance lost more money insuring Hummer H2 property damage claims. For the SUT model, auto insurers’ losses, as reported by the IIHS, for property damage were 119 percent worse than average.

The 2007 to 2009 Hummer H2 models were even worse than for auto insurance companies.

Hummer H2 SUV models were 106 percent worse than average, while the Hummer H2 SUT models were 120 percent worse than average. These higher-than-average rates may be the reason they stopped making the Hummer H2 after 2009.

We’ve seen the bodily injury rates, but what about the property damage rates for the Hummer H2? We’ve summarized the coverage level for property damage in a data table below. Let’s look at the results.

2009 Hummer H2 Coverage Level Quotes – Property Damage Auto Insurance
Coverage Level for
Property Damage
Property Damage
Coverage Limit
Geico Monthy Rates
Low$25,000 Coverage Limit$269
Medium$50,000 Coverage Limit$274
High$100,000 Coverage Limit$274
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Some quotes give policyholders a break on medium and high coverage by issuing the same amount in auto insurance rates under property damage liability. Expect these rates to decrease when a driver uses their personal information, driving record, age, and other factors that auto insurance recognizes for discounts.

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What is the MSRP of Hummer H2?

MSRP is an acronym for the manufacturer’s suggested retailed price. MSRP is the price the auto manufacturer highly recommends the car dealer charge the consumer for the vehicle. For older vehicles, however, dealers may go by the Fair Market Range.

Kelley Blue Book reports that the Fair Market Range reflects the range of prices that their organization estimates most people will pay for a specific vehicle.

Kelley Blue Book prices are based on its year, make, model, and style.

Since the Hummer H2 hasn’t made a model since 2009, consumers won’t be able to find an MSRP or Fair Market Price for the vehicle regardless of the style. However, Kelley Blue Book does list the Hummer H2’s Typical Listing Price.

Take a look at this data that shows the Typical Listing Price of Hummer H2’s SUV and Pickup Truck models.

Typical Hummer H2 Listing Prices
Typical Listing PriceHummer H2 SUV Sport Utility 4DHummer H2 SUT Sport Utility Pickup 4D
2009 Models$34,216$39,093
2008 Models$27,798$32,370
2007 Models$21,358$24,126
2006 Models$18,637$22,537
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SUV models are much cheaper than Pickup models. Since both body styles are roughly eleven years old, there isn’t much the Kelley Blue Book has to report on an old vehicle.

If you are leasing a Hummer H2, the lender will likely have force-placed insurance on the vehicle.

If a motorist fails to carry adequate insurance, the lender can acquire insurance to cover the vehicle.

The latest models will have higher premiums because the value of the later model vehicles is much higher than the older models. Even though the Hummer H2 is an older vehicle, it’s a luxury vehicle, and the cost of maintenance and repairs will be higher than average.

How does the typical listing price of Hummer H2 affect collision auto insurance rates?

Collision auto insurance is normally cheaper than liability auto insurance. Collision coverage is an auto insurance perk that pays for property damage of your vehicle regardless of who is at fault.

For example, if you are at-fault in an accident, liability coverage will pay for the no-fault motorist’s bodily injuries and property damage. As an at-fault, liability does not cover property damage. However, collision coverage will help you recover by compensating you for property damage costs.

Here are the collision premiums for the Hummer H2 from 2006 to 2009.

Hummer H2 Collision Coverage Auto Insurance Rates
Make and Model YearCollision Coverage Rates
2009 Hummer H2$294
2008 Hummer H2$299
2007 Hummer H2$301
2006 Hummer H2$308
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Collision coverage is much cheaper than liability coverage on average. Insuring a Hummer H2 is much more affordable to insure in 2020 due to the age and value of the vehicle.

Let’s review the collision losses of very large SUVs. Insurance losses are paid claims to policyholders after an accident has been resolved. The most current losses for Hummer H2 are reflected in the bar chart below.

So you’ve decided to purchase an H2 Hummer. What’s next? Insurance should probably be next on your to-do list. Several risk factors can positively or negatively affect your insurance premium.

IIHS Collision Auto Insurance Losses – Very Large Vehicle Class
Vehicle Make and Model2007-09 Collision Insurance Losses2006-08 Collision Insurance Losses
Chevrolet Avalanche 1500 4dr-13%-14%
Chevrolet Avalanche 1500 4dr 4WD-15%-25%
Chevrolet Suburban 1500 4dr-32%-41%
Chevrolet Suburban 1500 4dr 4WD-28%-37%
Chevrolet Suburban 2500 4dr 4WD-35%-28%
Ford Expedition EL 4dr-15%-25%
Ford Expedition EL 4dr 4WD6%-24%
GMC Yukon XL 1500 4dr-34%-43%
GMC Yukon XL 1500 4dr 4WD-19%-26%
GMC Yukon XL 2500 4dr 4WD-28%-
Hummer H2 4dr 4WD-43%-23%
Hummer H2 SUT 4dr 4WD-34%-17%
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From 2007 to 2009, Hummer H2 auto insurance companies sustained losses substantially better than average. Hummer H2 SUVs and SUTs had insurance losses of -43 percent and -34 percent.

How does the typical listing price of Hummer H2 affect comprehensive auto insurance rates?

Comprehensive and collision coverage are different. Comprehensive insurance pays for accidental damage to a vehicle that doesn’t involve two drivers.

For example, comprehensive coverage will pay for damage if your motor vehicle is stolen, damaged in a flood, by fire, falling object, or any other damage deemed out of your control.

Like collision damage, comprehensive coverage will cover the windshield and other damage done to a vehicle. It’s normally the cheapest coverage out of three basic coverages for auto insurance.

Most of the time, comprehensive coverage is cheaper than other basic insurance coverage. Look at the data table below to see the comprehensive rates for Hummer H2.

Hummer H2 Comprehensive Auto Insurance Rates
Make and Model YearComprehensive Coverage Rates
2009 Hummer H2$132
2008 Hummer H2$134
2007 Hummer H2$136
2006 Hummer H2$140
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Comprehensive coverage for each vehicle make and model is nearly $200 less than collision coverage, and over $300 less than liability insurance. That’s because comprehensive auto insurance covers a lot less than collision and liability.

But how much loss do auto insurance companies encounter from comprehensive insurance with Hummer H2 vehicles? Here are the comprehensive coverage losses insurers encountered from 2007 to 2009.

IIHS Comprehensive Auto Insurance Losses – Very Large Class Vehicle
Vehicle2007-09 Comprehensive Insurance Losses2006-08 Comprehensive Insurance Losses
Chevrolet Suburban 2500 4dr 4WD-19%-16%
GMC Yukon XL 1500 4dr2%15%
Chevrolet Suburban 1500 4dr6%17%
Chevrolet Suburban 1500 4dr 4WD7%7%
GMC Yukon XL 2500 4dr 4WD8%-
Ford Expedition EL 4dr 4WD13%39%
Chevrolet Avalanche 1500 4dr 4WD19%35%
Ford Expedition EL 4dr26%55%
GMC Yukon XL 1500 4dr 4WD27%44%
Hummer H2 4dr 4WD53%173%
Chevrolet Avalanche 1500 4dr66%99%
Hummer H2 SUT 4dr 4WD110%259%
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Besides the Chevy Avalanche 1500, Hummer H2 had the most percentage loss for comprehensive coverage. This could mean that the parts could be more expensive than other vehicles.

What are the theft rates of the Hummer H2?

Comprehensive coverage pays losses due to vehicle theft. Policyholders can receive discounts if their vehicles have an anti-theft system on their vehicles.

The National Insurance Crime Bureau reports vehicle thefts each year. The reports are ranked by each metro area in the U.S. In the section, we’ll show the recent thefts and theft rates of the top 50 metro areas. Also, this section will explain how comprehensive rates are affected by thefts.

According to the Highway Loss Data Institute, Hummer H2 had 8.7 thefts per 1,000 vehicles and the H2 SUT had a rate of 10 thefts per 1,000 vehicles during the years they were popular among motorists which would be from 2005 to 2009.

How do the theft rates of Hummer H2 affect comprehensive auto insurance rates?

Let’s start this sub-section off with motor vehicle thefts of the top 50 metro areas with the highest theft numbers and highest theft rates.

National Insurance Crime Bureau Vehicle Thefts in Top Metro Areas
RankCityTheftsPer 100k
1Modesto, CA4,260816.52
2Fresno, CA7,563797.87
3Bakersfield, CA6,797793.9
4Stockton Metro, CA4,940703.09
5Yakima, WA1,665674.15
6San Francisco Area28,220633.37
7San Jose Metro, CA11,810623.42
8Vallejo Metro, CA2,615621.5
9Spokane Metro, WA3,025568.34
10Redding, CA938525.24
11Merced, CA1,361518.86
12Riverside Metro, CA22,567518.77
13Sacramento Metro, CA10,599482.54
14Detroit Metro, MI20,143469.31
15Oklahoma City, OK6,005463.15
16Visalia-Porterville, CA2,090462.41
17Seattle – Tacoma, WA15,806444.97
18San Diego Metro, CA13,889437.16
20Albuquerque, NM3,730413.66
21Salinas, CA1,764413.35
22Columbia, S.C.3,157402.3
23Los Angeles Metro52,106399.19
24Las Vegas Metro, NV7,981398.9
26Little Rock Metro, AR2,785388.06
27Wichita, KS2,417379.97
28Houston Metro, TX23,157374.89
29Salt Lake City, UT4,211374.74
30Kansas City7,598372.68
33Omaha Metro, NE-IA3,239365.73
34Chico, CA810365.62
36Atlanta Metro, GA19,343354.41
37Springfield, Mo.1,560350.86
38San Antonio Metro7,684343.96
39Indianapolis Metro IN6,557339.92
40Tulsa, OK3,232339.54
41Macon, GA788338.6
42Greenville Metro, SC2,845337.54
43Fayetteville, NC1,258335.84
44Tucson, AZ3,299332.43
45Charleston Metro, SC2,297329.35
46Portland Metro7,485326.88
47Topeka, KS759323.58
49Jackson, MS.1,846320.04
50Milwaukee Metro, WI4,970317.17
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The highest number of vehicle thefts in the U.S. came out of San Francisco, while the highest rate of theft was in Modesto, CA. California is a state with some of the highest numbers of thefts in the U.S., according to the data from the National Insurance Crime Bureau.

Due to the high crime rates of these 50 metro areas, expect comprehensive coverage to higher than the national average. Hummer H2 vehicles are not an exception to theft risks. Auto insurance companies will issue rates based on the risk of theft, age, credit history, and driving record.

Other Auto Insurance Coverage Rates for the Hummer H2

We’ve seen that collision and comprehensive are available for Hummer H2. Liability is one of the most important car insurance coverages, and it’s available to all motor vehicles. For liability coverages that don’t cover certain medical bills or other fees, additional liability coverages such as personal injury protection and medical payments help cover those bills.

This section will explore how personal injury protection and medical payments affect auto insurance rates.

How do safety ratings affect Personal Injury Protection (PIP) auto insurance rates?

Although Hummer H2 doesn’t have any safety ratings, auto insurance companies still incurred losses from personal injury protection claims. The Hummer H2 SUT didn’t affect insurance losses concerning personal injury protection, but Hummer H2 SUVs did.

IIHS SUV Personal Injury Auto Insurance Losses
Vehicle Make and Model2007-09 Personal Injury Insurance Losses2006-08 Personal Injury Insurance Losses
Chevrolet Avalanche 1500 4dr-21%-25%
Chevrolet Avalanche 1500 4dr 4WD-37%-47%
Chevrolet Suburban 1500 4dr-38%-38%
Chevrolet Suburban 1500 4dr 4WD-37%-42%
Chevrolet Suburban 2500 4dr 4WD--
Ford Expedition EL 4dr-21%-35%
Ford Expedition EL 4dr 4WD-30%-30%
GMC Yukon XL 1500 4dr-29%-34%
GMC Yukon XL 1500 4dr 4WD-34%-37%
GMC Yukon XL 2500 4dr 4WD--
Hummer H2 4dr 4WD-39%-45%
Hummer H2 SUT 4dr 4WD--
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The latest report (2007 to 2009 models) showed that Hummer H2’s PIP rates were 39 percent less than average. For 2006 to 2008 models, Hummer H2’s PIP rates were 45 percent less than average.

How do safety ratings of the Hummer H2 affect MedPay auto insurance rates?

Since there aren’t any safety ratings available for Hummer H2 vehicles, we’ll have to review insurance losses to see how Hummer H2 affected auto insurance companies on average.

IIHS Medical Payments Auto Insurance Losses – Very Large SUV
Vehicle Make and Model2006-08 Medical Payment Insurance Losses
Chevrolet Suburban 1500 4dr 4WD-54%
GMC Yukon XL 1500 4dr 4WD-52%
Chevrolet Avalanche 1500 4dr 4WD-51%
Chevrolet Suburban 1500 4dr-39%
Hummer H2 4dr 4WD-37%
Chevrolet Avalanche 1500 4dr-25%
GMC Yukon XL 1500 4dr-23%
Chevrolet Suburban 2500 4dr 4WD-
Ford Expedition EL 4dr-
Ford Expedition EL 4dr 4WD-
GMC Yukon XL 2500 4dr 4WD-
Hummer H2 SUT 4dr 4WD-
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In regards to Medical Payments (MedPay) coverage, Hummer H2 MedPay rates were 37 percent less than average. This may be due to the vehicle’s large frame, which protects a driver more.

Perhaps the biggest factor that insurers look at is driving histories. If you don’t have any traffic citations or accidents on record, then you’ll see lower interest rates. On the other hand, if you have been in a few accidents and filed claims, you’ll be viewed as a higher risk. You can expect the insurance company to pass along the costs to you.

Another measure of responsibility that insurers also use is the credit score. If you have a high credit score, you’re usually in a financial position to meet your obligations on time. This translates as positive to them, because you’ll be able to make your premium payments in a timely fashion.

Yet another potential factor is location. Do you live in an area that has high theft rates or high volumes of traffic congestion? These could adversely affect premiums. Higher theft rates will make it riskier to insure you with comprehensive coverage, while increased traffic makes you more likely to have an accident and therefore more costly to insure with collision.

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What are the safety features of the Hummer H2?

The Hummer H2 has a number of safety features to help improve a vehicle owner’s driving experience. AutoBlog has an extensive review of the latest Hummer H2 model. For this section, we’ll summarize each safety feature available for the ’09 Hummer H2 model.

Anti-lock brakes, also called ABS brakes, are sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.

Stability control automatically senses when the vehicle’s handling limits have been exceeded and reduces engine power. In addition, stability control applies select brakes to prevent the driver from losing control of the vehicle.

Front-impact airbags are in place in the Hummer H2 to protect the driver and passenger’s head during a frontal crash. Also, the Hummer H2 has overhead airbags for protection of the occupants’ heads in case of a side collision or rollover.

Pretensioners are seatbelt systems that tighten seatbelts to place the occupant in a secure, safe seating position during a collision.

Finally, Hummer H2s have a security system. The vehicle is equipped to anticipate and detect unwanted vehicle intrusion.

In addition to exterior security, the Hummer H2 is equipped with an ignition disable device, which will prevent the engine from starting if someone attempts to copy the manufacturer’s key.

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What are the safety ratings of the Hummer H2?

These can help you save on insurance. The most current H2 hasn’t been rated by the federal government for crash testing, or by the IIHS. However, it does have some safety features and plenty of airbags.

However, the Hummer H2 is in the SUV class, and fatality rates occur each year. So, the remainder of this section will explore the number of deaths that occurred among SUVs.

How does the safety of the Hummer H2 compare to other vehicles with the same size and class?

Let’s start off this sub-section with the death rate per million registered vehicles that affect drivers. Although the Hummer H2 isn’t mentioned specifically, it fits in the SUV class, so it could be one of the vehicles registered that was involved in a fatal accident.

Death Rate per Million Registered Vehicles by SUV Vehicle Size and Class
Vehicle SizeRegistered VehiclesDeathsDeath Rate per Million Registered Vehicles (2018)
Small7,818,47921227
Midsize9,372,45219521
Large2,228,8673717
Very large468,691613
All SUVs19,888,48945023
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Very Large SUVs, like the Hummer H2, have the fewest registered vehicles and the fewest deaths and death rate per million registered passenger vehicles. This may be due to the safety features or the number of drivers who own very large SUVs.

Next, let’s look at the number of occupants that were affected by a fatal accident. This IIHS data categorizes each crash by point of initial impact. Here are the results.

Point of Impact SUV Occupants by Crash Type
Point of Initial ImpactSUV OccupantsSUV Occupant Death Rate
Frontal2,78455
Side93018
Rear2866
Other (mostly rollover)1,03521
All*5,035100
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Frontal crashes were the most likely to occur. Over 2,700 SUV occupants were killed in frontal crashes in 2018, which is 55 deaths per million registered vehicles.

Finally, let’s compare the number of occupant deaths per million registered SUVs. To see how staggering death rates can be, we’ve included the death rates in a 10-year trend.

SUV Occupant Deaths per Million Registered Passenger Vehicles 1-3 Years Old
YearSUV Occupant Deaths (Driver)SUV Occupant Deaths (Occupants)
20083552
20092536
20102029
20111724
20121623
20131926
20141824
20152029
20162132
20172233
20182332
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There was a gradual decrease in the death rate from 2008 to 2014; however, the death rate per million registered vehicles increased starting in 2015.

How much will it cost to repair my Hummer H2?

The Hummer H2 is 11 years old as of 2020. Some of the OEM parts for Hummer H2 may be cheaper. The repairs, on the other hand, may be expensive. Some Hummer H2 vehicles are considered luxury vehicles, so much goes into the vehicle.

For this section, we will explore the cost of Hummer H2 repair and maintenance costs. In addition to costs, we’ll address how these costs affect collision and comprehensive coverage.

In general, auto insurance premiums are often determined by the price of a vehicle and the average cost of repairs. Auto insurers prepare for possible repair costs through premiums.

The annual maintenance cost for the Hummer H2 is $374. The annual repair cost for a Hummer H2 is $745.

How does the cost of repairs affect collision and comprehensive auto insurance rates?

Before we talk about how repairs affect collision and comprehensive coverage, let’s look at the average cost of repairs for Hummer H2. The table below is from RepairPal’s estimates for Hummer H2 repairs.

Fuel repair systems will become more common the older the vehicle gets. For those who live in colder climates, Hummer H2 may encounter more corroded fuel systems due to the anti-ice salts on the road.

Hummer H2 Repair Costs
Hummer H2 Name of RepairCost of Repair Range
Suspension Ball Joint Replacement$513 - $746
Battery Cable Replacement$233 - $243
Fuel Injector Replacement$1,703 - $2,188
Fuel Tank Replacement$1,332 - $1,401
Active Suspension System Height Sensor Replacement$301 - $316
Brake System Inspect$88 - $111
Suspension System Inspect$70 - $89
Windshield Wiper Arm Replacement$118 - $128
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Here are a few more estimates from Instant Estimator, showing the cost to repair collision damage of different parts of a Hummer H2.

Itemized Quotes for Hummer H2 Body Repair
Car PartFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter PanelFenderTrunk
Body Labor$128$128$80$80$132$120$80$80$80
Paint Labor$160$160$184$232$144$144$160$152$0
Paint Supplies$96$96$110$139$86$86$96$91$0
Color Tint$20$20$20$20$20$20$20$20$20
Cover Car-$10$10$10$10$10$10$10$10
Hazard Waste Disposal$5$5$5$5$5$5$5$5$5
Color Sand and Buff$20$20$20$20$20$20$20$20$20
Total$429$439$429$506$417$405$391$378$135
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What does this have to do with collision and comprehensive rates?

Collision and comprehensive coverage are designed to match the average cost of repair of a vehicle you’re insuring. This is the reason auto insurance companies ask policyholders who file a claim or no-fault driver to find three estimates after an accident.

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Hummer H2 Insurance FAQs

We hope this guide was helpful. Did we miss anything? Let us know below.

To wrap up the Hummer H2 guide, we’ll answer a few common questions about auto insurance. If you want to get right into auto insurance quotes for a Hummer H2, use our free quote tool below by entering your ZIP code in the dialog box.

1. How does the 2009 Hummer H2 compare to other cars in its class?

The most recent H2 is powered by an impressive 6.2 liter V8 with automatic transmission. It has an intense amount of power, and really goes when it is accelerated. It is rugged and thus perfect for off-road scenarios.

In the city, the sheer width of the H2 can be a problem. It has unfortunate blind spots that sometimes make it difficult to park in garages. However, it has a comfortable interior in the front, though taller individuals might feel a bit cramped in the back. All in all, it is a solid performer in its class.

2. Is the Hummer H2 a good car?

That certainly a matter of opinion and some people really do love their Hummers. They are expensive and not the most practical vehicle out there in terms of getting around town, but they can be a lot of fun if you like to go off-roading.

3. Why is Hummer discontinued?

The short answer is that it was not a money maker. GM tried to sell the Hummer brand to a Chinese company after its bankruptcy in the late 2ooos, but the deal fell through. The Hummer brand was losing money, and after the sale fell through GM shut down production.

4. Why is there so much limited information for the Hummer H2?

The Hummer H2 stopped production around 2008. The latest Hummer H2 model is the 2009 Hummer H2. The motor vehicle is about 11 years old. Auto insurance for Hummer H2s may be polarized due to their uncommon status. So parts of these motor vehicles may be expensive or cheap depending on the brand.

5. Is insurance high on a Hummer h3?

The average annual rate for insurance on a Hummer H3 is $1,192 annually, or just under $100 a month. You can likely hammer insurance costs down by shopping around and looking for discounts.

6. How much money will it take to fill up a Hummer H2 gas tank?

It depends on the state where you live and the grade of gas. The Hummer H2 gas tank has a capacity of 32 gallons. Multiply 32 by the cost of gasoline per grade. If regular unleaded costs $2.12, then the price to fill up a Hummer H2 would be $67.84.

7. Where can I get Humvee insurance?

The Humvee is a military vehicle, which means a standard insurance policy won’t cover it. Look to specialty auto insurance companies to find a policy suited to this kind of vehicle.