Honda Clarity Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 with full coverage. Comprehensive costs approximately $230, collision insurance costs $422, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,756. Teen drivers pay the most at up to $4,918 a year.
Average premium for full coverage: $1,270
Premium estimates by type of coverage:
Includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Clarity models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Honda Clarity range from the cheapest price of $510 for your basic liability-only policy to the much higher price of $2,756 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates using their specific location and their own driving history, rather than using price 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 Information
The chart below details average Honda Clarity insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $739
- Drivers who choose higher $1,000 deductibles will pay $150 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,270
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,556
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,756
- An auto insurance policy to insure a teenage driver for full coverage can cost $4,918 a year
Auto insurance prices for a Honda Clarity also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Clarity.
Choosing high deductibles could save up to $440 a year, whereas buying more liability protection will push prices upward. Moving 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
A more mature driver with a good driving record and higher deductibles may only pay around $1,200 per year 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 in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Honda Clarity insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Honda Clarity insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.
| 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 Shop for the Cheapest Honda Clarity Insurance
Finding better rates on auto insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and possibly higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct companies, and also from insurance agencies where you live.
The next list is a recap of the coverage data touched on in the above illustrations.
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $425 each year
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $410 per month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents could be forced to pay on average $1,490 more per year to buy Honda Clarity insurance
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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