Honda Clarity Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 16, 2024
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The average insurance rates for a Honda Clarity are $1,324 a year for full coverage insurance. Comprehensive insurance costs approximately $240, collision costs $470, and liability costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,884 or more. Teenage drivers cost the most to insure at $5,102 a year or more.
Average premium for full coverage: $1,324
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance 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
Using a middle-aged driver as an example, Honda Clarity insurance rates go from as low as $508 for just the minimum liability insurance to the much higher price of $2,884 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why everyone should compare rates using their specific location and risk profile, instead of using average rates.
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 best discount rate is $763
- Drivers who choose higher $1,000 deductibles will pay $162 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,324
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $314 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,884 or more
- Policy cost for full coverage for a teen driver for full coverage can cost $5,102 a year
Car insurance rates for a Honda Clarity also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
Your home state 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,790 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $480 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Honda Clarity insurance for high-risk drivers can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
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. Every company uses a different method to calculate rates, so rate quotes will be varied 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 Affordable Honda Clarity Insurance
Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and avoiding coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the information touched on in the above illustrations.
- It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
- Teen drivers pay the highest auto insurance rates, possibly costing $425 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $475 each year
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,560 more per year to insure their Clarity
- Policyholders who purchase more liability coverage will pay an extra $500 annually to go from a 30/60 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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