Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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Estimated auto insurance rates for a Honda Clarity are $1,270 annually including full coverage. Comprehensive insurance costs on average $230, collision costs $422, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,756 or more. 16-year-old drivers pay the most at $4,918 a year or more.
Average premium for full coverage: $1,270
Premium estimates by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Clarity trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda Clarity go from as cheap as $510 for just liability insurance to a much higher rate of $2,756 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate 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.
More Rate Details
The chart below breaks down estimated Honda Clarity insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $739
- Raising to $1,000 deductibles will save around $150 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,270
- Buying more expensive low deductibles costs an additional $286 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,756 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage may cost $4,918
Auto insurance prices for a Honda Clarity also have a wide range based on the model of your Clarity, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $440 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Honda Clarity insurance rates. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$122 | -9.6% |
| Alaska | $974 | -$296 | -23.3% |
| Arizona | $1,054 | -$216 | -17.0% |
| Arkansas | $1,270 | -$0 | 0.0% |
| California | $1,446 | $176 | 13.9% |
| Colorado | $1,214 | -$56 | -4.4% |
| Connecticut | $1,306 | $36 | 2.8% |
| Delaware | $1,436 | $166 | 13.1% |
| Florida | $1,586 | $316 | 24.9% |
| Georgia | $1,172 | -$98 | -7.7% |
| Hawaii | $910 | -$360 | -28.3% |
| Idaho | $860 | -$410 | -32.3% |
| Illinois | $944 | -$326 | -25.7% |
| Indiana | $954 | -$316 | -24.9% |
| Iowa | $854 | -$416 | -32.8% |
| Kansas | $1,206 | -$64 | -5.0% |
| Kentucky | $1,732 | $462 | 36.4% |
| Louisiana | $1,878 | $608 | 47.9% |
| Maine | $784 | -$486 | -38.3% |
| Maryland | $1,048 | -$222 | -17.5% |
| Massachusetts | $1,016 | -$254 | -20.0% |
| Michigan | $2,204 | $934 | 73.5% |
| Minnesota | $1,062 | -$208 | -16.4% |
| Mississippi | $1,520 | $250 | 19.7% |
| Missouri | $1,126 | -$144 | -11.3% |
| Montana | $1,364 | $94 | 7.4% |
| Nebraska | $1,000 | -$270 | -21.3% |
| Nevada | $1,524 | $254 | 20.0% |
| New Hampshire | $916 | -$354 | -27.9% |
| New Jersey | $1,420 | $150 | 11.8% |
| New Mexico | $1,126 | -$144 | -11.3% |
| New York | $1,338 | $68 | 5.4% |
| North Carolina | $730 | -$540 | -42.5% |
| North Dakota | $1,040 | -$230 | -18.1% |
| Ohio | $876 | -$394 | -31.0% |
| Oklahoma | $1,304 | $34 | 2.7% |
| Oregon | $1,162 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$60 | -4.7% |
| Rhode Island | $1,694 | $424 | 33.4% |
| South Carolina | $1,150 | -$120 | -9.4% |
| South Dakota | $1,072 | -$198 | -15.6% |
| Tennessee | $1,110 | -$160 | -12.6% |
| Texas | $1,530 | $260 | 20.5% |
| Utah | $940 | -$330 | -26.0% |
| Vermont | $868 | -$402 | -31.7% |
| Virginia | $760 | -$510 | -40.2% |
| Washington | $984 | -$286 | -22.5% |
| West Virginia | $1,162 | -$108 | -8.5% |
| Wisconsin | $878 | -$392 | -30.9% |
| Wyoming | $1,132 | -$138 | -10.9% |
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Honda Clarity | $260 | $538 | $442 | $1,398 |
| 2020 Honda Clarity | $250 | $500 | $452 | $1,360 |
| 2019 Honda Clarity | $240 | $470 | $456 | $1,324 |
| 2018 Honda Clarity | $230 | $422 | $460 | $1,270 |
| 2017 Honda Clarity | $214 | $388 | $460 | $1,220 |
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 Cheaper Honda Clarity Insurance
Finding better rates on auto insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct car insurance companies, and also from several local insurance agents.
The following items are a condensed summary of the car insurance concepts covered in the charts and tables above.
- Drivers with multiple at-fault accidents pay on average $1,490 more each year than a driver with a clean driving record
- You may be able to save as much as $150 per year simply by shopping early and online
- Increasing policy deductibles could save up to $425 each year
- Consumers who require additional liability coverage will pay around $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,918 |
| 20 | $2,942 |
| 30 | $1,310 |
| 40 | $1,270 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,556 |
| $250 | $1,422 |
| $500 | $1,270 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,362 |
| 100/300 | $1,477 |
| 250/500 | $1,776 |
| 100 CSL | $1,408 |
| 300 CSL | $1,661 |
| 500 CSL | $1,845 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $4,692 |
| 30 | $2,804 |
| 40 | $2,756 |
| 50 | $2,636 |
| 60 | $2,614 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $54 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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