GMC Hummer EV Insurance Cost
Full coverage for a GMC Hummer EV costs about $1,495 a year ($124/month) by our estimate — ▼ −6% versus the average vehicle.
GMC Hummer EV insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2024–2025 model years of the GMC Hummer EV, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $540 | $45 | $445–$635 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $785 | $65 | $640–$925 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,495 | $124 | $1,225–$1,760 |
What drives the cost of insuring a GMC Hummer EV
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The GMC Hummer EV's results put our vehicle factor at 0.88× for liability, 1.12× for collision and 1.10× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 112 | Worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Property damage liability | 80 | Much better than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| GMC Hummer electric crew cab pickup 4WD | 112 | — | 80 | — |
| GMC Hummer electric 4dr 4WD | 152 | — | — | — |
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 2 NHTSA recall campaigns and 23 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
GMC Hummer EV trims and configurations (2025)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| Hummer EV Pickup 2X | AWD | Electric | 53 | 318 mi |
| Hummer EV Pickup 3X | AWD | Electric | 52 | 312 mi |
| Hummer EV Pickup MT Tires 2X | AWD | Electric | 47 | 282 mi |
| Hummer EV Pickup MT Tires 3X | AWD | Electric | 48 | 289 mi |
| Hummer EV SUV 2X | AWD | Electric | 53 | 315 mi |
| Hummer EV SUV 3X | AWD | Electric | 52 | 312 mi |
| Hummer EV SUV MT Tires 2X | AWD | Electric | 47 | 282 mi |
| Hummer EV SUV MT Tires 3X | AWD | Electric | 48 | 289 mi |
GMC Hummer EV insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2025 | Electric | AWD | — | $1,495 |
| 2024 | Electric | AWD | — | $1,460 |
GMC Hummer EV insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,315 | $420 | −12% |
| Alaska | $1,310 | $550 | −12% |
| Arizona | $1,565 | $580 | +5% |
| Arkansas | $1,340 | $395 | −10% |
| California | $1,470 | $505 | −2% |
| Colorado | $1,715 | $575 | +15% |
| Connecticut | $1,570 | $625 | +5% |
| Delaware | $1,640 | $705 | +10% |
| District of Columbia | $1,885 | $655 | +26% |
| Florida | $2,085 | $950 | +39% |
| Georgia | $1,820 | $765 | +22% |
| Hawaii | $1,035 | $385 | −31% |
| Idaho | $1,015 | $355 | −32% |
| Illinois | $1,300 | $440 | −13% |
| Indiana | $1,070 | $355 | −28% |
| Iowa | $1,040 | $270 | −30% |
| Kansas | $1,220 | $355 | −18% |
| Kentucky | $1,255 | $465 | −16% |
| Louisiana | $2,060 | $695 | +38% |
| Maine | $960 | $375 | −36% |
| Maryland | $1,665 | $665 | +11% |
| Massachusetts | $1,465 | $520 | −2% |
| Michigan | $1,630 | $675 | +9% |
| Minnesota | $1,265 | $415 | −15% |
| Mississippi | $1,445 | $465 | −3% |
| Missouri | $1,370 | $450 | −8% |
| Montana | $1,220 | $345 | −18% |
| Nebraska | $1,220 | $355 | −18% |
| Nevada | $1,675 | $765 | +12% |
| New Hampshire | $1,070 | $355 | −28% |
| New Jersey | $1,765 | $825 | +18% |
| New Mexico | $1,350 | $455 | −10% |
| New York | $1,975 | $820 | +32% |
| North Carolina | $1,135 | $395 | −24% |
| North Dakota | $990 | $245 | −34% |
| Ohio | $1,075 | $355 | −28% |
| Oklahoma | $1,370 | $415 | −8% |
| Oregon | $1,320 | $550 | −12% |
| Pennsylvania | $1,320 | $375 | −12% |
| Rhode Island | $1,780 | $720 | +19% |
| South Carolina | $1,580 | $645 | +6% |
| South Dakota | $1,190 | $275 | −20% |
| Tennessee | $1,255 | $395 | −16% |
| Texas | $1,785 | $610 | +19% |
| Utah | $1,340 | $575 | −10% |
| Vermont | $990 | $280 | −34% |
| Virginia | $1,285 | $550 | −14% |
| Washington | $1,285 | $520 | −14% |
| West Virginia | $1,270 | $385 | −15% |
| Wisconsin | $1,035 | $330 | −31% |
| Wyoming | $1,210 | $285 | −19% |
GMC Hummer EV insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,485 | $2,155 | $4,105 | $342 |
| Young adult (22) | $865 | $1,255 | $2,390 | $199 |
| Adult in their 30s | $540 | $785 | $1,495 | $125 |
| Adult in their 50s | $495 | $720 | $1,375 | $115 |
| Senior (72) | $605 | $875 | $1,675 | $140 |
| 30s, one at-fault accident | $785 | $1,135 | $2,165 | $180 |
| 30s, DUI on record | $1,000 | $1,450 | $2,765 | $230 |
GMC Hummer EV vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| GMC Hummer EV | $1,495 | 112 | — | — |
| Toyota Tacoma | $1,375 | 87 | 86 | — |
| Ford F-150 | $1,580 | 92 | 84 | — |
| Tesla Cybertruck | $1,600 | — | — | — |
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Frequently asked questions
How much is insurance for a GMC Hummer EV?
We estimate about $1,495 a year ($124 a month) for full coverage and $540 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% less than the average vehicle.
Is the GMC Hummer EV expensive to insure?
HLDI insurance-loss data rates it at 112 for collision and 0 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.
Which state is cheapest to insure a GMC Hummer EV?
Maine has the lowest estimate (about $960 a year for full coverage) and Florida the highest (about $2,085).
Is the GMC Hummer EV cheaper to insure than the Toyota Tacoma?
By our estimate the GMC Hummer EV costs about $1,495 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.
How much is GMC Hummer EV insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,105 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.