Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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The average insurance rates for a Honda Clarity are $1,270 a year with full coverage. Comprehensive costs around $230 a year, collision costs $422, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,756. Teen drivers cost the most to insure at $4,918 a year or more.
Average premium for full coverage: $1,270
Policy rates for type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Clarity trim levels.
Price Range Variability
For the normal driver, Honda Clarity insurance rates go from as low as $510 for basic liability insurance to a high of $2,756 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below details estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $739
- Choosing higher $1,000 deductibles can save about $1,120 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,270
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,556
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,756 or more
- Policy cost for full coverage for a 16-year-old driver can be $4,918 each year
Auto insurance rates for a Honda Clarity also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $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 high deductibles can save as much as $440 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates will be varied 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 Best Cheap Honda Clarity Insurance
Finding cheaper rates on insurance for a Honda Clarity takes being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a quick review of the coverage data presented in the illustrations above.
- You may be able to save up to $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $425 each year
- Teen drivers are expensive to insure, as much as $410 each month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,490 more every year to insure their Clarity
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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