Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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U.S. average insurance rates for a Honda Clarity are $1,360 a year for full coverage. Comprehensive costs around $250, collision insurance costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $2,962. Teen drivers pay the highest rates at up to $5,210 a year.
Average premium for full coverage: $1,360
Price estimates for individual coverage:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Clarity models.
Price Range from Low to High
For the normal driver, Honda Clarity insurance prices range from the low end price of $504 for your basic liability-only policy to the much higher price of $2,962 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.
The ranges above show why everyone should get quotes for a specific zip code, 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 Information
The chart below shows average Honda Clarity insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $779
- Choosing higher $1,000 deductibles can save about $170 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,360
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,690
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,962
- The price that insures a 16-year-old driver for full coverage can be $5,210 each year
Auto insurance prices for a Honda Clarity are also quite variable based on the model of your Clarity, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,300 in extra premium each year, depending on your age. Honda Clarity insurance for high-risk drivers ranges from 44% to 131% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,940 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,230 | -$130 | -9.6% |
| Alaska | $1,042 | -$318 | -23.4% |
| Arizona | $1,126 | -$234 | -17.2% |
| Arkansas | $1,360 | -$0 | 0.0% |
| California | $1,546 | $186 | 13.7% |
| Colorado | $1,296 | -$64 | -4.7% |
| Connecticut | $1,396 | $36 | 2.6% |
| Delaware | $1,536 | $176 | 12.9% |
| Florida | $1,700 | $340 | 25.0% |
| Georgia | $1,254 | -$106 | -7.8% |
| Hawaii | $974 | -$386 | -28.4% |
| Idaho | $918 | -$442 | -32.5% |
| Illinois | $1,012 | -$348 | -25.6% |
| Indiana | $1,022 | -$338 | -24.9% |
| Iowa | $916 | -$444 | -32.6% |
| Kansas | $1,290 | -$70 | -5.1% |
| Kentucky | $1,852 | $492 | 36.2% |
| Louisiana | $2,012 | $652 | 47.9% |
| Maine | $838 | -$522 | -38.4% |
| Maryland | $1,120 | -$240 | -17.6% |
| Massachusetts | $1,086 | -$274 | -20.1% |
| Michigan | $2,358 | $998 | 73.4% |
| Minnesota | $1,136 | -$224 | -16.5% |
| Mississippi | $1,626 | $266 | 19.6% |
| Missouri | $1,206 | -$154 | -11.3% |
| Montana | $1,458 | $98 | 7.2% |
| Nebraska | $1,072 | -$288 | -21.2% |
| Nevada | $1,628 | $268 | 19.7% |
| New Hampshire | $980 | -$380 | -27.9% |
| New Jersey | $1,518 | $158 | 11.6% |
| New Mexico | $1,202 | -$158 | -11.6% |
| New York | $1,430 | $70 | 5.1% |
| North Carolina | $784 | -$576 | -42.4% |
| North Dakota | $1,112 | -$248 | -18.2% |
| Ohio | $938 | -$422 | -31.0% |
| Oklahoma | $1,394 | $34 | 2.5% |
| Oregon | $1,244 | -$116 | -8.5% |
| Pennsylvania | $1,296 | -$64 | -4.7% |
| Rhode Island | $1,812 | $452 | 33.2% |
| South Carolina | $1,230 | -$130 | -9.6% |
| South Dakota | $1,146 | -$214 | -15.7% |
| Tennessee | $1,188 | -$172 | -12.6% |
| Texas | $1,638 | $278 | 20.4% |
| Utah | $1,006 | -$354 | -26.0% |
| Vermont | $930 | -$430 | -31.6% |
| Virginia | $814 | -$546 | -40.1% |
| Washington | $1,050 | -$310 | -22.8% |
| West Virginia | $1,244 | -$116 | -8.5% |
| Wisconsin | $940 | -$420 | -30.9% |
| Wyoming | $1,210 | -$150 | -11.0% |
Choosing high deductibles can save as much as $500 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Honda Clarity | $284 | $582 | $416 | $1,440 |
| 2020 Honda Clarity | $274 | $558 | $430 | $1,420 |
| 2019 Honda Clarity | $260 | $538 | $442 | $1,398 |
| 2018 Honda Clarity | $250 | $500 | $452 | $1,360 |
| 2017 Honda Clarity | $240 | $470 | $456 | $1,324 |
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 Low Cost Honda Clarity Insurance
Getting lower rates on insurance for a Honda Clarity takes being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.
The following list is a review of the information presented in the illustrations above.
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $434 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $500 each year
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,600 more every year than a safer driver
- Insureds who may need an increased level of liability coverage will pay about $500 each year to raise limits from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,210 |
| 20 | $3,164 |
| 30 | $1,408 |
| 40 | $1,360 |
| 50 | $1,244 |
| 60 | $1,220 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,690 |
| $250 | $1,534 |
| $500 | $1,360 |
| $1,000 | $1,190 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,360 |
| 50/100 | $1,450 |
| 100/300 | $1,563 |
| 250/500 | $1,857 |
| 100 CSL | $1,496 |
| 300 CSL | $1,744 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,424 |
| 20 | $5,046 |
| 30 | $3,016 |
| 40 | $2,962 |
| 50 | $2,830 |
| 60 | $2,806 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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