Honda Clarity Insurance Rates
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Average insurance rates for a Honda Clarity are $912 a year for full coverage insurance. Comprehensive costs approximately $132, collision insurance costs $180, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $1,962. Teen drivers receive the highest rates at up to $3,742 a year.
Average premium for full coverage: $912
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Clarity models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $496 for just liability coverage to the much higher price of $1,962 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why everyone should compare rates quotes using their specific location, rather than relying on 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 illustrates average Honda Clarity insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $561
- Raising to $1,000 deductibles will save $72 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $912
- Choosing pricier low deductibles bumps up the cost to $1,048
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,962
- The cost that insures a teen driver for full coverage can cost $3,742
Insurance rates for a Honda Clarity can also vary considerably based on the model of your Clarity, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Honda Clarity insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,700 a year. View Rates by Age
Where you live also has a big influence on Honda Clarity insurance rates. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,230 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $210 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
| 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 Find Affordable Honda Clarity Insurance
Saving money on Honda Clarity insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following list is a brief review of the data that was covered above.
- It is possible to save around $100 per year just by quoting online well ahead of the renewal date
- Drivers who purchase an increased level of liability coverage will pay about $490 annually to raise from a minimum limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, costing up to $312 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,050 more per year than a safer driver
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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