Honda Clarity Insurance Rates

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UPDATED: May 16, 2024

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Average insurance rates for a Honda Clarity are $1,270 a year for full coverage insurance. Comprehensive insurance costs approximately $230 each year, collision insurance costs $422, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,756 or more. Teens receive the highest rates at up to $4,918 a year.

Average premium for full coverage: $1,270

Rate estimates by individual coverage type:

Comprehensive $230
Collision $422
Liability $460

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Clarity models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $510 for basic liability insurance to a high rate of $2,756 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

These examples illustrate why all drivers should compare prices using their specific location, rather than 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $739
  • Using higher $1,000 deductibles will save $150 each year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,270
  • Selecting low deductibles for physical damage coverage will cost an additional $286 each year
  • Higher-risk drivers with serious driving violations could pay around $2,756
  • The cost that insures a teenage driver can cost $4,918 or more

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing Honda Clarity insurance prices range from $739 to $4,918 for full coverage

Car insurance rates for a Honda Clarity can also vary considerably based on the trim level and model year, 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 $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you live has a huge impact on Honda Clarity insurance rates. A driver around age 40 might see rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,710 on average in Florida, New York, and Michigan.

Honda Clarity Insurance Rates by State
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%

View Chart as Image

Honda Clarity insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Honda Clarity Insurance Rates by Model Year
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 More Affordable Honda Clarity Insurance

Saving money on auto insurance requires being a good driver, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare rates every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a summary of the coverage data touched on in this article.

  • It is possible to save around $150 per year just by quoting online in advance
  • Increasing deductibles can save approximately $425 each year
  • Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $410 per month if full coverage is purchased
  • Drivers who have multiple accidents or major violations could be charged and average of $1,490 more per year than a safer driver

Rates by Driver Age

Honda Clarity Insurance 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

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
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

Honda Clarity Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $739

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

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