Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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The average insurance prices for a Honda Clarity are $1,270 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $230 a year, collision costs $422, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,756 or more. Teenage drivers cost the most to insure at $4,918 a year or more.
Average premium for full coverage: $1,270
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Clarity trim levels.
Price Range Variability
For the average 40-year-old driver, Honda Clarity insurance rates go from the cheapest price of $510 for liability-only coverage to a high of $2,756 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on 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.
Additional Charts and Tables
The chart below illustrates estimated Honda Clarity insurance rates for additional coverage and risk scenarios.
- The best discount rate is $739
- Drivers who choose higher $1,000 deductibles will pay $1,120 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,270
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $286 annually
- Drivers who are prone to accidents and violations could pay around $2,756 or more
- Policy cost to insure a 16-year-old driver can cost $4,918 a year
Insurance rates for a Honda Clarity also range considerably based on liability limits and deductibles, your risk profile, and the model of your Clarity.
Using high physical damage deductibles could save up to $440 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $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 are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Honda Clarity insurance prices. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates will be varied.
| 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 Shop for Cheaper Honda Clarity Insurance
Finding cheaper rates on insurance for a Honda Clarity not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.
The points below are a condensed summary of the ideas that were touched on in this article.
- Drivers under the age of 20 are the costliest to insure, possibly costing $410 each month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,490 more per year to insure a Honda Clarity
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- It is possible to save around $150 per year simply by quoting early and online
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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