Honda Clarity Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Honda Clarity are $1,270 every 12 months including full coverage. Comprehensive costs approximately $230, collision costs $422, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,756. Teens pay the most at $4,918 a year or more.
Average premium for full coverage: $1,270
Premium estimates by type of coverage:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Clarity trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda Clarity go from the cheapest price of $510 for minimum levels of liability insurance to a much higher rate of $2,756 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based 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.
Additional Rate Details
The chart below breaks down estimated Honda Clarity insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $739
- Drivers who choose higher $1,000 deductibles will pay $150 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,270
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,556
- Drivers with serious driving violations could pay around $2,756 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $4,918 a year
Auto insurance prices for a Honda Clarity also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Clarity.
Choosing higher comprehensive and collision insurance deductibles could save up to $440 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost from 43% to 132% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Honda Clarity insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,810 on average in Louisiana, 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Every company calculates prices differently, and quoted prices will be substantially different.
| 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 the Best Honda Clarity Insurance
Finding better rates on insurance for a Honda Clarity not only requires being a safe and courteous driver, but also having a good credit score, refrain from filing small claims, and not having any coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below is a brief recap of the material that was raised in the charts and tables above.
- Insureds who purchase higher levels of liability will pay approximately $510 per year to go from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers have the highest car insurance prices, with the cost nearing $410 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,490 more per year for auto insurance
- Increasing policy deductibles could save as much as $425 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
