Honda Clarity Insurance Rates

The average insurance prices for a Honda Clarity are $1,270 every 12 months including full coverage. Comprehensive costs on average $230 a year, collision insurance costs $422, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,756. Teenage drivers cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Clarity trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

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

• The best discount rate is $739
• Raising to $1,000 deductibles will save around $1,120 every year
• The average price for a good driver age 40 with $500 deductibles is $1,270
• Using low $100 deductibles increases the price to $1,556
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,756
• Policy cost to insure a teenage driver may cost $4,918

View Chart as Image

Insurance rates for a Honda Clarity also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Clarity.

Using high physical damage deductibles can reduce rates by up to $440 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Honda Clarity insurance rates. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Affordable Honda Clarity Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data touched on above.

• Consumers who require more liability protection will pay an extra $510 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save as much as $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Youthful drivers pay higher rates, with premiums being up to $410 each month if full coverage is included