Honda Clarity Insurance Rates

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2017 Honda Clarity Car Insurance Cost in 2025

Did you make the mistake of buying an underperforming, overpriced auto insurance policy? Trust us, many drivers feel the same as you. Since consumers have many companies to choose from, it can be impossible to choose a lower cost auto insurance company. You should make it a habit to shop coverage around yearly because insurance rates change quite often. Just because you found the best rate on Clar...

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UPDATED: May 16, 2024

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

Average premium for full coverage: $1,324

Price estimates for individual coverage:

Comprehensive $240
Collision $470
Liability $456

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Clarity trim levels.

Price Range from Low to High

For the average 40-year-old driver, Honda Clarity insurance prices go from as cheap as $508 for your basic liability-only policy to a high of $2,884 for a high-risk driver policy.

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

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

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

The ranges above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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 illustrates estimated Honda Clarity insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $763
  • Drivers who choose higher $1,000 deductibles will pay about $1,162 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,324
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,638
  • Drivers with serious driving violations could pay at least $2,884 or more
  • The price with full coverage for a 16-year-old driver can be $5,102 a year

View Chart as Image

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

Car insurance prices for a Honda Clarity are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury 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

The state you live in makes a big difference in Honda Clarity insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, 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

Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy Affordable Honda Clarity Insurance

Getting lower rates on insurance for a Honda Clarity not only requires having a decent driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief review of the information touched on in this article.

  • It is possible to save up to $160 per year simply by quoting early and online
  • 16 to 18-year-old drivers are the costliest to insure, as much as $425 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles could save up to $475 each year
  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,560 more every year than a driver with a clean driving record
  • Insureds who may need additional liability coverage will pay approximately $500 annually to go from a low limit to higher 250/500 limits

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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