Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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Average auto insurance rates for a Honda Clarity are $1,270 annually including full coverage. Comprehensive costs on average $230 a year, collision costs $422, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,756. Teens receive the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Clarity trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $510 for just liability coverage to a high of $2,756 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
These examples highlight why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.
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 breaks down estimated Honda Clarity insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $739
- Choosing higher $1,000 deductibles can save around $1,120 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,270
- Selecting low $100 deductibles for comp and collision coverage will cost $1,556
- High-risk insureds with serious driving violations could pay upwards of $2,756 or more
- The cost with full coverage for a teen driver may cost $4,918 each year
Car insurance rates for a Honda Clarity can also vary considerably based on the trim level of your Clarity, your driving characteristics, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $440 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Honda Clarity insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,810 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes can be significantly different between companies.
| 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 Buy Low Cost Honda Clarity Insurance
Saving money on Honda Clarity insurance takes being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a review of the data that was touched on in this article.
- You may be able to save as much as $150 per year simply by quoting early and online
- Drivers who require an increased level of liability coverage will pay approximately $510 per year to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, as much as $410 per month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations pay on average $1,490 more each year than a safer driver
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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