Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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U.S. average insurance rates for a Honda Clarity are $1,324 a year for full coverage insurance. Comprehensive insurance costs on average $240, collision costs $470, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,884 or more. Teens pay the highest rates at $5,102 a year or more.
Average premium for full coverage: $1,324
Price estimates by individual coverage:
These estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Clarity trim levels.
Price Range from Low to High
For a 40-year-old driver, Honda Clarity insurance prices go from as low as $508 for a discount liability-only rate to a much higher rate of $2,884 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how your location can change car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates estimated Honda Clarity insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $763
- Choosing higher $1,000 deductibles can save around $162 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,324
- Selecting more expensive low deductibles for comp and collision coverage will cost an extra $314 annually
- Higher-risk drivers with serious driving violations could pay upwards of $2,884 or more
- The price for full coverage for a 16-year-old driver with full coverage may cost $5,102 each year
Auto insurance prices for a Honda Clarity are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,016 | -$308 | -23.3% |
| Arizona | $1,098 | -$226 | -17.1% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,508 | $184 | 13.9% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,658 | $334 | 25.2% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $952 | -$372 | -28.1% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $986 | -$338 | -25.5% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $894 | -$430 | -32.5% |
| Kansas | $1,258 | -$66 | -5.0% |
| Kentucky | $1,806 | $482 | 36.4% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $818 | -$506 | -38.2% |
| Maryland | $1,092 | -$232 | -17.5% |
| Massachusetts | $1,060 | -$264 | -19.9% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,108 | -$216 | -16.3% |
| Mississippi | $1,586 | $262 | 19.8% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,424 | $100 | 7.6% |
| Nebraska | $1,042 | -$282 | -21.3% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $762 | -$562 | -42.4% |
| North Dakota | $1,082 | -$242 | -18.3% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,198 | -$126 | -9.5% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,594 | $270 | 20.4% |
| Utah | $982 | -$342 | -25.8% |
| Vermont | $908 | -$416 | -31.4% |
| Virginia | $794 | -$530 | -40.0% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $918 | -$406 | -30.7% |
| Wyoming | $1,180 | -$144 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer calculates prices differently, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Honda Clarity | $274 | $558 | $430 | $1,420 |
| 2020 Honda Clarity | $260 | $538 | $442 | $1,398 |
| 2019 Honda Clarity | $250 | $500 | $452 | $1,360 |
| 2018 Honda Clarity | $240 | $470 | $456 | $1,324 |
| 2017 Honda Clarity | $230 | $422 | $460 | $1,270 |
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 Find Cheap Honda Clarity Insurance
Getting lower rates on insurance for a Honda Clarity takes not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a brief summary of the data that was illustrated above.
- It is possible to save as much as $160 per year simply by shopping early and online
- Insureds who require higher liability limits will pay approximately $500 annually to raise limits from a low limit to 250/500 limits
- Teens are charged the highest prices, as much as $425 a month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,560 more each year for Clarity insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,102 |
| 20 | $3,082 |
| 30 | $1,368 |
| 40 | $1,324 |
| 50 | $1,212 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,415 |
| 100/300 | $1,529 |
| 250/500 | $1,826 |
| 100 CSL | $1,461 |
| 300 CSL | $1,712 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,264 |
| 20 | $4,914 |
| 30 | $2,934 |
| 40 | $2,884 |
| 50 | $2,756 |
| 60 | $2,732 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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