Honda Clarity Insurance Rates

The average insurance rates for a Honda Clarity are $1,270 a year for full coverage. Comprehensive costs around $230 each year, collision insurance costs $422, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,756. Teens cost the most to insure at up to $4,918 a year.

Average premium for full coverage: $1,270

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Clarity models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code, rather than using averaged prices.

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

Rate Comparisons

The chart below shows average Honda Clarity insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $739
• Choosing higher $1,000 deductibles can save about $150 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,270
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,556
• Drivers with serious driving violations could pay at least $2,756
• Policy cost that insures a teenage driver can be $4,918 each year

View Chart as Image

Insurance rates for a Honda Clarity also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Honda Clarity Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The next list is a brief review of the data raised in the charts and tables above.

• Consumers who may need increased levels of liability coverage will pay approximately $510 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers can save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $410 each month if comprehensive and collision insurance is included