Honda Clarity Insurance Rates

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2017 Honda Clarity Car Insurance Cost in 2025

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UPDATED: May 16, 2024

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Average auto insurance rates for a Honda Clarity are $1,324 annually including full coverage. Comprehensive insurance costs an estimated $240, collision insurance costs $470, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $2,884 or more. 16-year-old drivers receive the highest rates at up to $5,102 a year.

Average premium for full coverage: $1,324

Rate estimates broken down by individual coverage type:

Comprehensive $240
Collision $470
Liability $456

These estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Clarity trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $508 for minimum levels of liability insurance to a much higher rate of $2,884 for high-risk insurance.

Liability Only $508
Full Coverage $1,324
High Risk $2,884

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These examples highlight why anyone shopping for car insurance should get quotes 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.

Additional Rate Details

The chart below breaks down average Honda Clarity insurance rates for other coverage scenarios.

  • The best full coverage rate is $763
  • Choosing higher $1,000 deductibles can save approximately $162 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,324
  • Buying more expensive low deductibles for comp and collision coverage costs an additional $314 each year
  • Drivers with multiple tickets or accidents could pay up to $2,884
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $5,102 each year

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing Honda Clarity insurance prices range from $763 to $5,102 for full coverage

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance ranges around 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $480 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Honda Clarity insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,890 on average in Louisiana, New York, and Michigan.

Honda Clarity Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,016 -$308 -23.3%
Arizona $1,098 -$226 -17.1%
Arkansas $1,324 -$0 0.0%
California $1,508 $184 13.9%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,658 $334 25.2%
Georgia $1,222 -$102 -7.7%
Hawaii $952 -$372 -28.1%
Idaho $894 -$430 -32.5%
Illinois $986 -$338 -25.5%
Indiana $996 -$328 -24.8%
Iowa $894 -$430 -32.5%
Kansas $1,258 -$66 -5.0%
Kentucky $1,806 $482 36.4%
Louisiana $1,958 $634 47.9%
Maine $818 -$506 -38.2%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,300 $976 73.7%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,174 -$150 -11.3%
Montana $1,424 $100 7.6%
Nebraska $1,042 -$282 -21.3%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $762 -$562 -42.4%
North Dakota $1,082 -$242 -18.3%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,198 -$126 -9.5%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,594 $270 20.4%
Utah $982 -$342 -25.8%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -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 $274 $558 $430 $1,420
2020 Honda Clarity $260 $538 $442 $1,398
2019 Honda Clarity $250 $500 $452 $1,360
2018 Honda Clarity $240 $470 $456 $1,324
2017 Honda Clarity $230 $422 $460 $1,270

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 Cheap Honda Clarity Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a brief summary of the material that was covered in the charts and tables above.

  • Consumers who want more liability protection will pay around $500 per year to raise limits from a minimum limit to higher 250/500 limits
  • Youthful drivers are expensive to insure, as much as $425 per month if they have full coverage
  • Drivers that tend to have accidents or serious violations could be forced to pay on average $1,560 more annually than a low-risk driver
  • Increasing deductibles could save up to $475 each year

Rates by Driver Age

Honda Clarity Insurance Rates by Driver Age
Driver Age Premium
16 $5,102
20 $3,082
30 $1,368
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,490
$500 $1,324
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Clarity Insurance Rates for High Risk Drivers
Age Premium
16 $7,264
20 $4,914
30 $2,934
40 $2,884
50 $2,756
60 $2,732

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 $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $65
Online Quote $93
Total Discounts $561
Rate after discounts $763

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

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