Honda Clarity Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

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.

U.S. average insurance rates for a Honda Clarity are $1,324 a year with full coverage. Comprehensive insurance costs approximately $240, collision costs $470, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,884 or more. Teen drivers pay the highest rates at $5,102 a year or more.

Average premium for full coverage: $1,324

Price estimates by individual coverage:

Comprehensive $240
Collision $470
Liability $456

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Clarity trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Honda Clarity insurance prices go from the low end price of $508 for just liability insurance to a much higher rate of $2,884 for a driver required to buy high-risk insurance.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on price 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.

More Rate Details

The chart below details estimated Honda Clarity insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save $162 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,324
  • Choosing more expensive low deductibles will cost an additional $314 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,884 or more
  • The price that insures a 16-year-old driver with full coverage can cost $5,102

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing full coverage Honda Clarity insurance prices range from $763 to $5,102

Car insurance prices for a Honda Clarity are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

The state you live in also has a big influence on Honda Clarity insurance prices. A middle-age driver might find prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,790 on average in New York, Michigan, and Florida.

Honda Clarity Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Honda Clarity insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $480 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different.

Honda Clarity Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Honda Clarity $274 $558 $430 $1,420
2020 Honda Clarity $260 $538 $442 $1,398
2019 Honda Clarity $250 $500 $452 $1,360
2018 Honda Clarity $240 $470 $456 $1,324
2017 Honda Clarity $230 $422 $460 $1,270

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 More Affordable Honda Clarity Insurance

Getting lower rates on insurance for a Honda Clarity consists of being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a summary of the data touched on in the above illustrations.

  • Insureds who purchase higher levels of liability will pay about $500 every year to raise from a low limit to the 250/500 level
  • You may be able to save around $160 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $475 each year
  • Teenage drivers pay the highest auto insurance prices, costing up to $425 a month if full coverage is purchased

Rates by Driver Age

Honda Clarity Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Clarity Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles