Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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The average insurance prices for a Honda Clarity are $1,360 every 12 months for full coverage insurance. Comprehensive costs approximately $250, collision costs $500, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $2,962. Teen drivers cost the most to insure at $5,210 a year or more.
Average premium for full coverage: $1,360
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Clarity models.
Price Range Variability
For an average driver, Honda Clarity insurance rates go from the cheapest price of $504 for just the minimum liability insurance to the much higher price of $2,962 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on auto insurance prices.
The examples above illustrate why everyone should compare prices using their specific location 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.
Additional Rate Analysis
The chart below illustrates estimated Honda Clarity insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $779
- Using higher $1,000 deductibles will save $170 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,360
- Choosing pricier low deductibles for physical damage coverage increases the price to $1,690
- Drivers with multiple violations and an at-fault accident could pay around $2,962 or more
- Policy cost to insure a teen driver for full coverage can cost $5,210 or more
Insurance rates for a Honda Clarity also range considerably based on liability limits and deductibles, your risk profile, and the model of your Clarity.
Choosing high deductibles could cut rates by as much as $500 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Honda Clarity insurance for high-risk drivers can be as much as 44% to 131% more than average. View High Risk Driver Rates
Your home state has a huge impact on Honda Clarity insurance prices. A driver around age 40 might see rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.
| 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 Shop for the Best Honda Clarity Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.
Below is a brief recap of the information covered in the above illustrations.
- It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, possibly costing $434 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Higher risk drivers who tend to receive serious violations may have to pay on average $1,600 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay about $500 annually to increase from a 30/60 limit to a 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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