Honda Clarity Insurance Rates
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The average insurance rates for a Honda Clarity are $912 a year with full coverage. Comprehensive costs around $132 each year, collision costs $180, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $1,962. 16-year-old drivers cost the most to insure at $3,742 a year or more.
Average premium for full coverage: $912
Policy rates for type of insurance:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Clarity models.
Price Range Variability
For an average driver, Honda Clarity insurance rates go from as low as $496 for just liability coverage to a high rate of $1,962 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below details estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $561
- Raising to $1,000 deductibles will save about $72 annually
- The average rate for a good driver age 40 using $500 deductibles is $912
- Buying low deductibles will increase the cost to $1,048
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,962 or more
- Policy cost for full coverage for a teen driver can be $3,742
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.
More mature drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age
Your home state also has a big influence on Honda Clarity insurance rates. A middle-age driver might find rates as low as $660 a year in states like New Hampshire, Ohio, and Utah, or at least $1,230 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $826 | -$86 | -9.4% |
| Alaska | $702 | -$210 | -23.0% |
| Arizona | $758 | -$154 | -16.9% |
| Arkansas | $912 | -$0 | 0.0% |
| California | $1,038 | $126 | 13.8% |
| Colorado | $872 | -$40 | -4.4% |
| Connecticut | $938 | $26 | 2.9% |
| Delaware | $1,032 | $120 | 13.2% |
| Florida | $1,142 | $230 | 25.2% |
| Georgia | $842 | -$70 | -7.7% |
| Hawaii | $654 | -$258 | -28.3% |
| Idaho | $618 | -$294 | -32.2% |
| Illinois | $680 | -$232 | -25.4% |
| Indiana | $688 | -$224 | -24.6% |
| Iowa | $616 | -$296 | -32.5% |
| Kansas | $868 | -$44 | -4.8% |
| Kentucky | $1,244 | $332 | 36.4% |
| Louisiana | $1,352 | $440 | 48.2% |
| Maine | $562 | -$350 | -38.4% |
| Maryland | $754 | -$158 | -17.3% |
| Massachusetts | $732 | -$180 | -19.7% |
| Michigan | $1,586 | $674 | 73.9% |
| Minnesota | $762 | -$150 | -16.4% |
| Mississippi | $1,092 | $180 | 19.7% |
| Missouri | $810 | -$102 | -11.2% |
| Montana | $980 | $68 | 7.5% |
| Nebraska | $720 | -$192 | -21.1% |
| Nevada | $1,094 | $182 | 20.0% |
| New Hampshire | $658 | -$254 | -27.9% |
| New Jersey | $1,020 | $108 | 11.8% |
| New Mexico | $808 | -$104 | -11.4% |
| New York | $962 | $50 | 5.5% |
| North Carolina | $526 | -$386 | -42.3% |
| North Dakota | $746 | -$166 | -18.2% |
| Ohio | $632 | -$280 | -30.7% |
| Oklahoma | $938 | $26 | 2.9% |
| Oregon | $836 | -$76 | -8.3% |
| Pennsylvania | $870 | -$42 | -4.6% |
| Rhode Island | $1,218 | $306 | 33.6% |
| South Carolina | $826 | -$86 | -9.4% |
| South Dakota | $772 | -$140 | -15.4% |
| Tennessee | $800 | -$112 | -12.3% |
| Texas | $1,100 | $188 | 20.6% |
| Utah | $676 | -$236 | -25.9% |
| Vermont | $624 | -$288 | -31.6% |
| Virginia | $548 | -$364 | -39.9% |
| Washington | $706 | -$206 | -22.6% |
| West Virginia | $836 | -$76 | -8.3% |
| Wisconsin | $632 | -$280 | -30.7% |
| Wyoming | $814 | -$98 | -10.7% |
Opting for high physical damage deductibles can reduce rates by up to $210 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each 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 $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|
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 Honda Clarity Insurance
Finding cheaper rates on Honda Clarity insurance consists of having a good driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a brief recap of the data that was covered in the above illustrations.
- You may be able to save up to $100 per year simply by quoting online in advance
- Drivers who may need increased levels of liability coverage will pay around $490 every year to raise from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger are charged the highest rates, as much as $312 each month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations pay an average of $1,050 more every year to buy Honda Clarity insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,742 |
| 20 | $2,094 |
| 30 | $924 |
| 40 | $912 |
| 50 | $840 |
| 60 | $822 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,048 |
| $250 | $984 |
| $500 | $912 |
| $1,000 | $840 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $912 |
| 50/100 | $1,000 |
| 100/300 | $1,111 |
| 250/500 | $1,398 |
| 100 CSL | $1,045 |
| 300 CSL | $1,288 |
| 500 CSL | $1,465 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,256 |
| 20 | $3,336 |
| 30 | $1,972 |
| 40 | $1,962 |
| 50 | $1,880 |
| 60 | $1,860 |
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 | $45 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $32 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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