Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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U.S. average insurance prices for a Honda Clarity are $1,270 every 12 months for full coverage. Comprehensive insurance costs on average $230 a year, collision costs $422, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing $2,756 or more. 16-year-old drivers pay the highest rates at $4,918 a year or more.
Average premium for full coverage: $1,270
Price estimates by individual coverage:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Clarity trim levels.
Price Range from Low to High
For the average 40-year-old driver, Honda Clarity insurance prices go from the cheapest price of $510 for a discount liability-only rate to a high of $2,756 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than congested cities.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above show why it is important to compare prices based on a specific location and their own driving history, rather than relying 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.
Rates by State, City, and Model
The chart below shows estimated Honda Clarity insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $739
- Using higher $1,000 deductibles will save around $1,120 a year
- The average price for the average middle-age driver with $500 deductibles is $1,270
- Buying low $100 deductibles for physical damage coverage costs an extra $286 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,756 or more
- The price to insure a teen driver may cost $4,918 or more
Insurance prices for a Honda Clarity are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Clarity.
Opting for high physical damage deductibles could cut prices by as much as $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Honda Clarity insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,810 on average in Michigan, Louisiana, 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% |
Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite 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 Cheapest Honda Clarity Insurance
Getting lower rates on Honda Clarity insurance requires being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Make time to compare rates every year by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a recap of the coverage data touched on in this article.
- Drivers can save as much as $150 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $425 each year
- Teenage drivers pay the highest prices, with premiums as much as $410 a month if they have full coverage
- High-risk drivers that have major violations or accidents pay an average of $1,490 more each year for auto insurance
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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