Honda Clarity Insurance Rates
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UPDATED: May 16, 2024
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Average insurance rates for a Honda Clarity are $1,360 a year with full coverage. Comprehensive insurance costs approximately $250 a year, collision insurance costs $500, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $2,962 or more. 16-year-old drivers receive the highest rates at up to $5,210 a year.
Average premium for full coverage: $1,360
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Clarity trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $504 for a discount liability-only rate to a high of $2,962 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
These examples demonstrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details average Honda Clarity insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $779
- Choosing higher $1,000 deductibles can save $1,190 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,360
- Buying low $100 deductibles for comp and collision coverage will cost an extra $330 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,962
- The cost for full coverage for a 16-year-old driver can cost $5,210 each year
Insurance rates for a Honda Clarity can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or at least $1,830 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $500 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 131% more than the average rate. View High Risk Driver Rates
| 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 Find More Affordable Honda Clarity Insurance
Saving money on insurance for a Honda Clarity takes being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates once a year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
Below you'll find a summary of the data that was touched on in this article.
- You may be able to save around $160 per year just by quoting early and online
- Insureds who purchase more liability protection will pay around $500 every year to raise limits from a minimum limit to 250/500 limits
- Youthful drivers are the costliest to insure, with premiums as much as $434 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,600 more per year than a low-risk driver
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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