Honda Clarity Insurance Rates

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UPDATED: May 16, 2024

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Average insurance rates for a Honda Clarity are $1,270 a year for full coverage. Comprehensive costs an estimated $230 each year, collision costs $422, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,756. 16-year-old drivers receive the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,270

Rate estimates broken down by individual coverage type:

Comprehensive $230
Collision $422
Liability $460

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Clarity models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $510 for the bare minimum liability coverage to a high rate of $2,756 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

These examples show why all drivers should get quotes for a targeted area and risk profile, rather than using rate averages.

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 Rate Information

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

  • The best full coverage rate is $739
  • Choosing higher $1,000 deductibles can save approximately $150 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,270
  • Buying low deductibles for comp and collision coverage will increase the cost to $1,556
  • Drivers with multiple tickets or accidents could pay up to $2,756 or more
  • The cost for full coverage for a teenage driver can cost as much as $4,918 each year

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing full coverage Honda Clarity insurance rates range from $739 to $4,918

Auto insurance rates for a Honda Clarity can also vary considerably based on your driver profile, the trim level of your Clarity, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

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 $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.

Honda Clarity Insurance Rates by State
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%

View Chart as Image

Honda Clarity insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $440 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

Honda Clarity Insurance Rates by Model Year
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 Find Cheap Honda Clarity Insurance

Saving money on auto insurance takes being a good driver, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief summary of the ideas that were presented in the illustrations above.

  • Drivers age 16 to 20 are the costliest to insure, costing as high as $410 per month if they have full coverage
  • Drivers that tend to have accidents or serious violations pay an average of $1,490 more annually than a safer driver
  • Increasing deductibles can save around $425 each year
  • Drivers can save approximately $150 per year simply by quoting online in advance

Rates by Driver Age

Honda Clarity Insurance 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

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
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

Honda Clarity Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $739

Discounts are estimated and may not be available from every company or in every state.

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