Honda Clarity Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 16, 2024
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Average insurance prices for a Honda Clarity are $1,324 every 12 months including full coverage. Comprehensive costs around $240, collision insurance costs $470, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs around $2,884. 16-year-old drivers receive the highest rates at up to $5,102 a year.
Average premium for full coverage: $1,324
Rate estimates for individual coverage type:
Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Clarity trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $2,884 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using 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 breaks down average Honda Clarity insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $763
- Choosing higher $1,000 deductibles can save about $162 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,324
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,638
- Unlucky drivers with multiple tickets or accidents could pay at least $2,884
- The cost to insure a teen driver with full coverage can be $5,102 each year
Insurance rates for a Honda Clarity can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $480 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,890 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for the Best Cheap Honda Clarity Insurance
Saving money on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a quick review of the ideas that were covered above.
- Teenage drivers are charged the highest rates, as much as $425 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,560 more every year for auto insurance
- Increasing deductibles could save as much as $475 each year
- You may be able to save up to $160 per year just by shopping early and online
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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