Honda Clarity Insurance Rates

The average insurance prices for a Honda Clarity are $1,270 every 12 months with full coverage. Comprehensive insurance costs around $230, collision insurance costs $422, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,756 or more. Teenage drivers cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Clarity trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Rate Comparisons

The chart below details average Honda Clarity insurance rates for additional coverage choices and driver risks.

• The best discount rate is $739
• Using higher $1,000 deductibles will save about $150 annually
• The average price for a good driver age 40 using $500 deductibles is $1,270
• Using more expensive low deductibles for physical damage coverage costs an extra $286 every year
• Drivers who are prone to accidents and violations could pay at least $2,756
• Policy cost to insure a teen driver with full coverage can be $4,918 or more

View Chart as Image

Car insurance rates for a Honda Clarity also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $440 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Honda Clarity insurance prices. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for More Affordable Honda Clarity Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a summary of the material that was illustrated above.

• Policyholders who may need higher liability limits will pay an extra $510 every year to increase from a 30/60 limit to a 250/500 level
• Teenagers are the costliest to insure, as much as $410 each month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations pay on average $1,490 more every year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year