Choose a vehicle, a driver and a plan, and your estimated six-month premium updates as you go. When it looks right, build the policy online and print your proof-of-insurance ID card.
Illustrative rates, not a quote. Your final premium is set when you build and bind the policy.
Pay $100 today to start a six-month policy. You get a printable proof-of-insurance ID card and a full declarations page, and the rest of the premium is spread over five monthly payments.
How it's figured: six-month premium = base rate × driver age factor, plus required no-fault PIP where your state has it, plus higher limits if you choose them. Your $100 is paid today and the remaining balance is divided into five equal monthly payments. No discounts or filing fees are included.
Your $100 covers {{cDownPct}} of the {{cTotal}} six-month premium. The policy runs the full six months as long as the monthly payments are made.
A front-and-back card sized for your wallet, ready to print as soon as your policy is issued.
Your policy number, vehicle, driver, coverage limits and premium schedule on one printable page.
Every policy gets a number you can give to the court, the DMV or an officer.
Ask the court or clerk exactly what proof they accept and what minimum limits they require. Some orders also call for a separate certificate filed with the DMV, such as an SR-22 or FR-44, which this illustration does not include. A missed payment can cancel a policy, so keep the monthly payments current. These figures are illustrative examples, not a quote.
Every policy starts from a base rate for your vehicle class. The base term is six months.
Base rate $520 per term
Base rate $560 per term
Base rate $300 per term
Base rate $780 per term
Drivers under 25 pay 1.55 times the base rate. Drivers 65 and over pay 1.12 times. Drivers 25 to 64 pay the base rate.
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Want something different? Change any coverage or add-on in the policy builder and the plan becomes a custom plan.
Prices show what each option adds to a six-month term.
Required almost everywhere. Choose State Minimum, 50/100/50, 100/300/100 or 250/500/100.
+$0 to +$310
Matches your liability limits, or you can waive it where your state permits.
+$60, or $0 waived
Choose $2,500, $5,000 or $10,000, or none. Mandatory in no-fault states, which are Hawaii and Florida in this tool.
+$40 to +$110
Deductibles of $1,000, $500 or $250, or no collision coverage.
+$150 to +$230
The same deductible choices: $1,000, $500 or $250, or none.
+$70 to +$120
For financed or leased vehicles. Requires collision and comprehensive.
+$70
$40 a day, up to $1,200.
+$65
Help around the clock when your vehicle won't start or move.
+$45
Covers aftermarket equipment, up to $3,000.
+$35
For drivers who use their vehicle on a rideshare or delivery platform.
+$120
Discounts come off your subtotal, and you can take all three.
No at-fault claims in the past 3 years.
Bundle more than one policy with HHH.
Pay the whole term up front instead of monthly.
The policy builder walks you through each one and keeps a live premium in view.
Vehicle type, year, make and model, an optional VIN, where it's garaged, and the driver's name and date of birth.
Start with Basic, Standard or Premium, or customize every line.
See the full schedule and premium breakdown, set your effective date, choose pay in full or monthly, and issue the policy.
Get your policy number, a declarations page, and a front-and-back proof-of-insurance card sized for your wallet.
Simplified figures shown as bodily injury per person / per accident / property damage. Confirm current requirements with your state's Department of Insurance.
| State | Minimum liability | PIP |
|---|---|---|
| Hawaii | 20/40/10 | $10,000 required (no-fault) |
| California | 15/30/5 | Not required |
| Texas | 30/60/25 | Not required |
| Florida | 10/20/10 | $10,000 required (no-fault) |
| Other states | 25/50/25 (general placeholder) | Not required |
It takes four steps, and you'll see your premium the whole way.