Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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Estimated insurance rates for a Honda Clarity are $1,270 a year with full coverage. Comprehensive costs around $230, collision costs $422, and liability is estimated at $460. A policy with only liability insurance costs approximately $510 a year, with a high-risk policy costing around $2,756. 16-year-old drivers pay the most at $4,918 a year or more.
Average premium for full coverage: $1,270
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Clarity models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Honda Clarity go from as low as $510 for liability-only coverage to the much higher price of $2,756 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on 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 Charts and Tables
The chart below details estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $739
- Choosing higher $1,000 deductibles can save about $150 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,270
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,556
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,756 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $4,918 each year
Car insurance prices for a Honda Clarity also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $440 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. Honda Clarity insurance for high-risk drivers ranges from 43% to 132% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| 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
Finding better rates on insurance for a Honda Clarity takes having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a brief summary of the car insurance concepts covered above.
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,490 more every year to buy Honda Clarity insurance
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $425 each year
- Insureds who may need increased levels of liability coverage will pay around $510 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
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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