Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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Average insurance rates for a Honda Clarity are $1,270 a year with full coverage. Comprehensive insurance costs around $230, collision costs $422, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,756 or more. Teens receive the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Rate estimates for individual coverage type:
Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Clarity trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $510 for liability-only coverage to a much higher rate of $2,756 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using 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.
Additional Charts and Tables
The chart below details estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $739
- Using higher $1,000 deductibles will save about $150 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,270
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $286 every year
- Drivers with serious driving violations could pay at least $2,756 or more
- The cost for full coverage for a teen driver with full coverage can be $4,918 or more
Car insurance rates for a Honda Clarity can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Honda Clarity insurance prices. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,710 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$122 | -9.6% |
| Alaska | $974 | -$296 | -23.3% |
| Arizona | $1,054 | -$216 | -17.0% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,446 | $176 | 13.9% |
| Colorado | $1,214 | -$56 | -4.4% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,436 | $166 | 13.1% |
| Florida | $1,586 | $316 | 24.9% |
| Georgia | $1,172 | -$98 | -7.7% |
| Hawaii | $910 | -$360 | -28.3% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $944 | -$326 | -25.7% |
| Indiana | $954 | -$316 | -24.9% |
| Iowa | $854 | -$416 | -32.8% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,732 | $462 | 36.4% |
| Louisiana | $1,878 | $608 | 47.9% |
| Maine | $784 | -$486 | -38.3% |
| Maryland | $1,048 | -$222 | -17.5% |
| Massachusetts | $1,016 | -$254 | -20.0% |
| Michigan | $2,204 | $934 | 73.5% |
| Minnesota | $1,062 | -$208 | -16.4% |
| Mississippi | $1,520 | $250 | 19.7% |
| Missouri | $1,126 | -$144 | -11.3% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,000 | -$270 | -21.3% |
| Nevada | $1,524 | $254 | 20.0% |
| New Hampshire | $916 | -$354 | -27.9% |
| New Jersey | $1,420 | $150 | 11.8% |
| New Mexico | $1,126 | -$144 | -11.3% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $730 | -$540 | -42.5% |
| North Dakota | $1,040 | -$230 | -18.1% |
| Ohio | $876 | -$394 | -31.0% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,162 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$60 | -4.7% |
| Rhode Island | $1,694 | $424 | 33.4% |
| South Carolina | $1,150 | -$120 | -9.4% |
| South Dakota | $1,072 | -$198 | -15.6% |
| Tennessee | $1,110 | -$160 | -12.6% |
| Texas | $1,530 | $260 | 20.5% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $868 | -$402 | -31.7% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $984 | -$286 | -22.5% |
| West Virginia | $1,162 | -$108 | -8.5% |
| Wisconsin | $878 | -$392 | -30.9% |
| Wyoming | $1,132 | -$138 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Honda Clarity | $260 | $538 | $442 | $1,398 |
| 2020 Honda Clarity | $250 | $500 | $452 | $1,360 |
| 2019 Honda Clarity | $240 | $470 | $456 | $1,324 |
| 2018 Honda Clarity | $230 | $422 | $460 | $1,270 |
| 2017 Honda Clarity | $214 | $388 | $460 | $1,220 |
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 the Cheapest Honda Clarity Insurance
Saving money on car insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The points below are a recap of the data covered in the charts and tables above.
- Policyholders who may need increased liability limits will pay approximately $510 every year to increase from a minimum limit to 250/500 limits
- You may be able to save up to $150 per year simply by shopping early and online
- Increasing deductibles can save around $425 each year
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $410 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,942 |
| 30 | $1,310 |
| 40 | $1,270 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,422 |
| $500 | $1,270 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,362 |
| 100/300 | $1,477 |
| 250/500 | $1,776 |
| 100 CSL | $1,408 |
| 300 CSL | $1,661 |
| 500 CSL | $1,845 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $4,692 |
| 30 | $2,804 |
| 40 | $2,756 |
| 50 | $2,636 |
| 60 | $2,614 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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