Honda Clarity Insurance Rates

The average auto insurance rates for a Honda Clarity are $1,324 annually for full coverage. Comprehensive insurance costs approximately $240 a year, collision insurance costs $470, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $2,884 or more. Teen drivers cost the most to insure at up to $5,102 a year.

Average premium for full coverage: $1,324

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Clarity trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Honda Clarity insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $763
• Raising to $1,000 deductibles will save $1,162 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,324
• Choosing low $100 deductibles costs an additional $314 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,884
• Policy cost with full coverage for a 16-year-old driver can cost $5,102

View Chart as Image

Insurance rates for a Honda Clarity also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $480 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Clarity insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Affordable Honda Clarity Insurance

Finding cheaper rates on insurance for a Honda Clarity consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the coverage data covered in the above illustrations.

• Drivers can save around $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teen drivers are expensive to insure, costing up to $425 each month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,560 more per year to insure their Clarity