Honda Clarity Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 16, 2024
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U.S. average insurance prices for a Honda Clarity are $1,324 every 12 months with full coverage. Comprehensive costs approximately $240 each year, collision costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,884. Teenage drivers pay the highest rates at $5,102 a year or more.
Average premium for full coverage: $1,324
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Clarity models.
Price Range from Low to High
For the average 40-year-old driver, Honda Clarity insurance prices go from the cheapest price of $508 for basic liability insurance to a high rate of $2,884 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of using average rates.
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 and risk scenarios.
- The best discount rate is $763
- Choosing higher $1,000 deductibles can save $162 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,324
- Using low deductibles for comp and collision coverage increases the price to $1,638
- Unlucky drivers who are prone to accidents and violations could pay around $2,884 or more
- The price to insure a teen driver can cost $5,102 each year
Insurance prices for a Honda Clarity are also quite variable based on deductibles and policy limits, your driving record, and the model of your Clarity.
Using high physical damage deductibles can save as much as $480 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,790 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,016 | -$308 | -23.3% |
| Arizona | $1,098 | -$226 | -17.1% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,508 | $184 | 13.9% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,658 | $334 | 25.2% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $952 | -$372 | -28.1% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $986 | -$338 | -25.5% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $894 | -$430 | -32.5% |
| Kansas | $1,258 | -$66 | -5.0% |
| Kentucky | $1,806 | $482 | 36.4% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $818 | -$506 | -38.2% |
| Maryland | $1,092 | -$232 | -17.5% |
| Massachusetts | $1,060 | -$264 | -19.9% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,108 | -$216 | -16.3% |
| Mississippi | $1,586 | $262 | 19.8% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,424 | $100 | 7.6% |
| Nebraska | $1,042 | -$282 | -21.3% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $762 | -$562 | -42.4% |
| North Dakota | $1,082 | -$242 | -18.3% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,198 | -$126 | -9.5% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,594 | $270 | 20.4% |
| Utah | $982 | -$342 | -25.8% |
| Vermont | $908 | -$416 | -31.4% |
| Virginia | $794 | -$530 | -40.0% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $918 | -$406 | -30.7% |
| Wyoming | $1,180 | -$144 | -10.9% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Honda Clarity | $274 | $558 | $430 | $1,420 |
| 2020 Honda Clarity | $260 | $538 | $442 | $1,398 |
| 2019 Honda Clarity | $250 | $500 | $452 | $1,360 |
| 2018 Honda Clarity | $240 | $470 | $456 | $1,324 |
| 2017 Honda Clarity | $230 | $422 | $460 | $1,270 |
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 Shop for Affordable Honda Clarity Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a brief review of the primary concepts that were touched on in this article.
- You may be able to save around $160 per year simply by quoting online in advance
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,560 more per year to insure a Honda Clarity
- Increasing physical damage deductibles could save as much as $475 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $425 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,102 |
| 20 | $3,082 |
| 30 | $1,368 |
| 40 | $1,324 |
| 50 | $1,212 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,415 |
| 100/300 | $1,529 |
| 250/500 | $1,826 |
| 100 CSL | $1,461 |
| 300 CSL | $1,712 |
| 500 CSL | $1,894 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,264 |
| 20 | $4,914 |
| 30 | $2,934 |
| 40 | $2,884 |
| 50 | $2,756 |
| 60 | $2,732 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $561 |
Discounts are estimated and may not be available from every company or in every state.
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