Honda Clarity Insurance Rates

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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

UPDATED: May 16, 2024

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Estimated insurance prices for a Honda Clarity are $1,324 every 12 months including full coverage. Comprehensive insurance costs around $240 each year, collision costs $470, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,884 or more. Teen drivers pay the most at $5,102 a year or more.

Average premium for full coverage: $1,324

Premium estimates for type of coverage:

Comprehensive $240
Collision $470
Liability $456

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Clarity models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Honda Clarity go from the cheapest price of $508 for basic liability insurance to a high rate of $2,884 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

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

These rate differences highlight why all drivers should compare prices for a specific zip code and their own driving history, 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.

Rate Comparisons

The chart below breaks down 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 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,324
  • Choosing low deductibles for physical damage coverage costs an extra $314 every year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,884 or more
  • An auto insurance policy to insure a teen driver can be $5,102 or more

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

Auto insurance prices for a Honda Clarity also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $480 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Clarity insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,890 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 Shop for the Best Honda Clarity Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Invest the time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the concepts that were presented in the illustrations above.

  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,560 more every year to insure a Honda Clarity
  • Drivers under the age of 20 are expensive to insure, with the cost nearing $425 per month if comprehensive and collision insurance is included
  • You may be able to save up to $160 per year simply by quoting online in advance
  • Increasing policy deductibles could save as much as $475 each year
  • You may be able to save up to $160 per year simply by quoting online in advance

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.

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