Honda Clarity Insurance Rates

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UPDATED: May 16, 2024

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Estimated insurance prices for a Honda Clarity are $1,270 every 12 months for full coverage. Comprehensive insurance costs on average $230, collision insurance costs $422, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,756 or more. 16-year-old drivers pay the most at up to $4,918 a year.

Average premium for full coverage: $1,270

Premium estimates by type of coverage:

Comprehensive $230
Collision $422
Liability $460

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Clarity trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Honda Clarity range from the cheapest price of $510 for basic liability insurance to a much higher rate of $2,756 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,270
High Risk $2,756

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

Rural Areas $953
Small Cities $1,334
Large Cities $1,715

These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of 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.

Rate Comparisons

The chart below shows average Honda Clarity insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $739
  • Choosing higher $1,000 deductibles can save around $150 a year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,270
  • Buying more expensive low deductibles for comp and collision coverage costs an extra $286 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,756
  • An auto insurance policy to insure a teen driver with full coverage may cost $4,918 each year

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing Honda Clarity insurance prices range from $739 to $4,918 for full coverage

Auto insurance prices for a Honda Clarity also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Clarity.

Opting for high physical damage deductibles can save as much as $440 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda Clarity insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,810 on average in Michigan, Louisiana, and New York.

Honda Clarity Insurance Rates by State
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%

View Chart as Image

Honda Clarity insurance rates by U.S. city
Honda Clarity Insurance Rates by Model Year
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 Shop for Low Cost Honda Clarity Insurance

Finding better rates on car insurance takes being a good driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at least once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a review of the primary concepts that were touched on above.

  • Drivers can save as much as $150 per year just by shopping early and online
  • Higher risk drivers who have several accidents or serious violations pay an average of $1,490 more each year than a safer driver
  • Increasing policy deductibles could save as much as $425 each year
  • Drivers age 16 to 20 are charged the highest prices, as much as $410 per month if comprehensive and collision insurance is included

Rates by Driver Age

Honda Clarity Insurance 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

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,556
$250 $1,422
$500 $1,270
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
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

Honda Clarity Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $739

Discounts are estimated and may not be available from every company or in every state.

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