Honda Clarity Insurance Rates

The average auto insurance rates for a Honda Clarity are $1,324 annually for full coverage. Comprehensive costs an estimated $240 a year, collision costs $470, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $2,884. Teenage drivers cost the most to insure at $5,102 a year or more.

Average premium for full coverage: $1,324

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Clarity trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Honda Clarity insurance rates for other coverage scenarios.

• The best discount rate is $763
• Drivers who choose higher $1,000 deductibles will pay approximately $1,162 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,324
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,638
• High-risk insureds who are prone to accidents and violations could pay up to $2,884 or more
• Policy cost with full coverage for a teenage driver can cost as much as $5,102 a year

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 liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda Clarity insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy Cheap Honda Clarity Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the material that was touched on above.

• Consumers who want additional liability coverage will pay an extra $500 each year to go from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $425 each month if they have full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,560 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $475 each year