Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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Average insurance rates for a Honda Clarity are $1,324 a year for full coverage insurance. Comprehensive costs around $240, collision costs $470, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing around $2,884. Teen drivers receive the highest rates at $5,102 a year or more.
Average premium for full coverage: $1,324
Rate estimates for individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all Clarity models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $508 for a discount liability-only rate to the much higher price of $2,884 for a high-risk insurance policy.
Price Range by Location
Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance rates.
These examples illustrate why everyone should compare prices for a specific zip code and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below illustrates estimated Honda Clarity insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $763
- Using higher $1,000 deductibles will save about $162 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,324
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,638
- Drivers with multiple violations and an at-fault accident could pay at least $2,884 or more
- The cost for full coverage for a teen driver for full coverage can be $5,102 or more
Insurance rates for a Honda Clarity can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age
Where you live has a huge impact on Honda Clarity insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,790 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could cut rates by as much as $480 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Honda Clarity insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
| 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 Cheaper Honda Clarity Insurance
Saving money on car insurance requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a condensed summary of the car insurance concepts touched on in this article.
- Higher risk drivers with multiple at-fault accidents may pay on average $1,560 more every year than a driver with a clean driving record
- It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $475 each year
- Policyholders who may need additional liability coverage will pay about $500 annually to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,490 |
| $500 | $1,324 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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