Honda Clarity Insurance Rates
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The average auto insurance rates for a Honda Clarity are $912 annually including full coverage. Comprehensive costs around $132, collision costs $180, and liability coverage is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $1,962. Teen drivers cost the most to insure at $3,742 a year or more.
Average premium for full coverage: $912
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Clarity models.
Price Range Variability
For a driver in their 40's, Honda Clarity insurance rates go from as cheap as $496 for just liability coverage to the much higher price of $1,962 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
The examples above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below breaks down estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $561
- Raising to $1,000 deductibles will save about $72 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $912
- Choosing pricier low deductibles will cost $1,048
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $1,962 or more
- Policy cost with full coverage for a teenage driver for full coverage can be $3,742
Insurance rates for a Honda Clarity also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,100 to $1,600 additional every year, depending on your age. Honda Clarity insurance for high-risk drivers is expensive and can cost around 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $210 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Honda Clarity insurance rates. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,300 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $826 | -$86 | -9.4% |
| Alaska | $702 | -$210 | -23.0% |
| Arizona | $758 | -$154 | -16.9% |
| Arkansas | $912 | -$0 | 0.0% |
| California | $1,038 | $126 | 13.8% |
| Colorado | $872 | -$40 | -4.4% |
| Connecticut | $938 | $26 | 2.9% |
| Delaware | $1,032 | $120 | 13.2% |
| Florida | $1,142 | $230 | 25.2% |
| Georgia | $842 | -$70 | -7.7% |
| Hawaii | $654 | -$258 | -28.3% |
| Idaho | $618 | -$294 | -32.2% |
| Illinois | $680 | -$232 | -25.4% |
| Indiana | $688 | -$224 | -24.6% |
| Iowa | $616 | -$296 | -32.5% |
| Kansas | $868 | -$44 | -4.8% |
| Kentucky | $1,244 | $332 | 36.4% |
| Louisiana | $1,352 | $440 | 48.2% |
| Maine | $562 | -$350 | -38.4% |
| Maryland | $754 | -$158 | -17.3% |
| Massachusetts | $732 | -$180 | -19.7% |
| Michigan | $1,586 | $674 | 73.9% |
| Minnesota | $762 | -$150 | -16.4% |
| Mississippi | $1,092 | $180 | 19.7% |
| Missouri | $810 | -$102 | -11.2% |
| Montana | $980 | $68 | 7.5% |
| Nebraska | $720 | -$192 | -21.1% |
| Nevada | $1,094 | $182 | 20.0% |
| New Hampshire | $658 | -$254 | -27.9% |
| New Jersey | $1,020 | $108 | 11.8% |
| New Mexico | $808 | -$104 | -11.4% |
| New York | $962 | $50 | 5.5% |
| North Carolina | $526 | -$386 | -42.3% |
| North Dakota | $746 | -$166 | -18.2% |
| Ohio | $632 | -$280 | -30.7% |
| Oklahoma | $938 | $26 | 2.9% |
| Oregon | $836 | -$76 | -8.3% |
| Pennsylvania | $870 | -$42 | -4.6% |
| Rhode Island | $1,218 | $306 | 33.6% |
| South Carolina | $826 | -$86 | -9.4% |
| South Dakota | $772 | -$140 | -15.4% |
| Tennessee | $800 | -$112 | -12.3% |
| Texas | $1,100 | $188 | 20.6% |
| Utah | $676 | -$236 | -25.9% |
| Vermont | $624 | -$288 | -31.6% |
| Virginia | $548 | -$364 | -39.9% |
| Washington | $706 | -$206 | -22.6% |
| West Virginia | $836 | -$76 | -8.3% |
| Wisconsin | $632 | -$280 | -30.7% |
| Wyoming | $814 | -$98 | -10.7% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|
Rates are averaged for all Honda Clarity models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Honda Clarity Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a condensed summary of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $312 each month if they have full coverage
- Drivers with multiple at-fault accidents may pay on average $1,050 more every year to insure a Honda Clarity
- Increasing comprehensive and collision deductibles could save up to $200 each year
- You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,742 |
| 20 | $2,094 |
| 30 | $924 |
| 40 | $912 |
| 50 | $840 |
| 60 | $822 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,048 |
| $250 | $984 |
| $500 | $912 |
| $1,000 | $840 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $912 |
| 50/100 | $1,000 |
| 100/300 | $1,111 |
| 250/500 | $1,398 |
| 100 CSL | $1,045 |
| 300 CSL | $1,288 |
| 500 CSL | $1,465 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,256 |
| 20 | $3,336 |
| 30 | $1,972 |
| 40 | $1,962 |
| 50 | $1,880 |
| 60 | $1,860 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $45 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $32 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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