Honda Clarity Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 16, 2024

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Average insurance prices for a Honda Clarity are $1,360 every 12 months for full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $500, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,962. 16-year-old drivers receive the highest rates at up to $5,210 a year.

Average premium for full coverage: $1,360

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $500
Liability $452

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Clarity trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $504 for the bare minimum liability coverage to a high of $2,962 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,360
High Risk $2,962

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These examples show why it is important to get quotes for a targeted area and their own driving history, rather than relying on rate 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.

Additional Rate Information

The chart below shows average Honda Clarity insurance rates for other coverage scenarios.

  • The best full coverage rate is $779
  • Choosing higher $1,000 deductibles can save approximately $1,190 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,360
  • Buying low $100 deductibles for comp and collision coverage increases the price to $1,690
  • High-risk insureds with multiple tickets or accidents could pay up to $2,962
  • The cost to insure a teen driver can cost as much as $5,210 each year

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing Honda Clarity insurance rates range from $779 to $5,210 for full coverage

Insurance rates for a Honda Clarity can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $500 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Clarity insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,940 on average in New York, Louisiana, and Michigan.

Honda Clarity Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$130 -9.6%
Alaska $1,042 -$318 -23.4%
Arizona $1,126 -$234 -17.2%
Arkansas $1,360 -$0 0.0%
California $1,546 $186 13.7%
Colorado $1,296 -$64 -4.7%
Connecticut $1,396 $36 2.6%
Delaware $1,536 $176 12.9%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $974 -$386 -28.4%
Idaho $918 -$442 -32.5%
Illinois $1,012 -$348 -25.6%
Indiana $1,022 -$338 -24.9%
Iowa $916 -$444 -32.6%
Kansas $1,290 -$70 -5.1%
Kentucky $1,852 $492 36.2%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,120 -$240 -17.6%
Massachusetts $1,086 -$274 -20.1%
Michigan $2,358 $998 73.4%
Minnesota $1,136 -$224 -16.5%
Mississippi $1,626 $266 19.6%
Missouri $1,206 -$154 -11.3%
Montana $1,458 $98 7.2%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,518 $158 11.6%
New Mexico $1,202 -$158 -11.6%
New York $1,430 $70 5.1%
North Carolina $784 -$576 -42.4%
North Dakota $1,112 -$248 -18.2%
Ohio $938 -$422 -31.0%
Oklahoma $1,394 $34 2.5%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,296 -$64 -4.7%
Rhode Island $1,812 $452 33.2%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,146 -$214 -15.7%
Tennessee $1,188 -$172 -12.6%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $930 -$430 -31.6%
Virginia $814 -$546 -40.1%
Washington $1,050 -$310 -22.8%
West Virginia $1,244 -$116 -8.5%
Wisconsin $940 -$420 -30.9%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Honda Clarity insurance rates by U.S. city
Honda Clarity Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Honda Clarity $284 $582 $416 $1,440
2020 Honda Clarity $274 $558 $430 $1,420
2019 Honda Clarity $260 $538 $442 $1,398
2018 Honda Clarity $250 $500 $452 $1,360
2017 Honda Clarity $240 $470 $456 $1,324

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 Shop for Affordable Honda Clarity Insurance

Saving money on Honda Clarity insurance takes being safe and accident-free, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the primary concepts that were covered in the above illustrations.

  • Drivers can save approximately $160 per year just by quoting early and online
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,600 more annually than a low-risk driver
  • Increasing deductibles could save as much as $500 each year
  • Youthful drivers are charged the highest rates, costing as high as $434 per month if they have full coverage

Rates by Driver Age

Honda Clarity Insurance Rates by Driver Age
Driver Age Premium
16 $5,210
20 $3,164
30 $1,408
40 $1,360
50 $1,244
60 $1,220

Full coverage, $500 deductibles

Rates by Deductible

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,690
$250 $1,534
$500 $1,360
$1,000 $1,190

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,450
100/300 $1,563
250/500 $1,857
100 CSL $1,496
300 CSL $1,744
500 CSL $1,925

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Clarity Insurance Rates for High Risk Drivers
Age Premium
16 $7,424
20 $5,046
30 $3,016
40 $2,962
50 $2,830
60 $2,806

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.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $779

Discounts are estimated and may not be available from every company or in every state.

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