Honda Clarity Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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U.S. average auto insurance rates for a Honda Clarity are $1,270 annually including full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $422, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,756 or more. 16-year-old drivers pay the highest rates at up to $4,918 a year.
Average premium for full coverage: $1,270
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Clarity models.
Price Range from Low to High
For a driver in their 40's, Honda Clarity insurance prices range from as cheap as $510 for just liability insurance to the much higher price of $2,756 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The example below illustrates how location helps determine insurance prices.
The ranges above highlight why everyone should compare prices for a targeted area 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 average Honda Clarity insurance rates for other coverage scenarios.
- The best full coverage rate is $739
- Using higher $1,000 deductibles will save approximately $150 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,270
- Buying pricier low deductibles for physical damage coverage costs an additional $286 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,756
- The price with full coverage for a teenage driver for full coverage can cost as much as $4,918 or more
Insurance prices for a Honda Clarity are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Honda Clarity insurance for high-risk drivers can be around 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $440 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Honda Clarity insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,810 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Affordable Honda Clarity Insurance
Getting lower rates on auto insurance requires having a decent driving record, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a brief review of the information covered in the charts and tables above.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $410 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $425 each year
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,490 more annually than a driver with a clean driving record
- Consumers who want additional liability coverage will pay around $510 per year to increase from a low limit 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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