Honda Clarity Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 16, 2024

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Average insurance prices for a Honda Clarity are $1,360 every 12 months for full coverage insurance. Comprehensive costs an estimated $250 each year, collision costs $500, and liability coverage is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,962. Teen drivers receive the highest rates at $5,210 a year or more.

Average premium for full coverage: $1,360

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $500
Liability $452

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Clarity models.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $504 for liability-only coverage to a high rate of $2,962 for high-risk insurance.

Liability Only $504
Full Coverage $1,360
High Risk $2,962

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These examples illustrate why all drivers should get quotes for a targeted area 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.

Additional Charts and Tables

The chart below illustrates estimated Honda Clarity insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $779
  • Choosing higher $1,000 deductibles can save approximately $170 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,360
  • Choosing low deductibles for comp and collision coverage increases the price to $1,690
  • Drivers with multiple violations and an at-fault accident could pay up to $2,962 or more
  • The cost to insure a teenage driver can cost as much as $5,210 each year

View Chart as Image

Honda Clarity insurance cost comparison chart
Column chart showing full coverage Honda Clarity insurance rates range from $779 to $5,210

Car insurance rates for a Honda Clarity can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing high deductibles can save as much as $500 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 131% more than average. View High Risk Driver Rates

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 $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, New York, and Michigan.

Honda Clarity Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,230 -$130 -9.6%
Alaska $1,042 -$318 -23.4%
Arizona $1,126 -$234 -17.2%
Arkansas $1,360 -$0 0.0%
California $1,546 $186 13.7%
Colorado $1,296 -$64 -4.7%
Connecticut $1,396 $36 2.6%
Delaware $1,536 $176 12.9%
Florida $1,700 $340 25.0%
Georgia $1,254 -$106 -7.8%
Hawaii $974 -$386 -28.4%
Idaho $918 -$442 -32.5%
Illinois $1,012 -$348 -25.6%
Indiana $1,022 -$338 -24.9%
Iowa $916 -$444 -32.6%
Kansas $1,290 -$70 -5.1%
Kentucky $1,852 $492 36.2%
Louisiana $2,012 $652 47.9%
Maine $838 -$522 -38.4%
Maryland $1,120 -$240 -17.6%
Massachusetts $1,086 -$274 -20.1%
Michigan $2,358 $998 73.4%
Minnesota $1,136 -$224 -16.5%
Mississippi $1,626 $266 19.6%
Missouri $1,206 -$154 -11.3%
Montana $1,458 $98 7.2%
Nebraska $1,072 -$288 -21.2%
Nevada $1,628 $268 19.7%
New Hampshire $980 -$380 -27.9%
New Jersey $1,518 $158 11.6%
New Mexico $1,202 -$158 -11.6%
New York $1,430 $70 5.1%
North Carolina $784 -$576 -42.4%
North Dakota $1,112 -$248 -18.2%
Ohio $938 -$422 -31.0%
Oklahoma $1,394 $34 2.5%
Oregon $1,244 -$116 -8.5%
Pennsylvania $1,296 -$64 -4.7%
Rhode Island $1,812 $452 33.2%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,146 -$214 -15.7%
Tennessee $1,188 -$172 -12.6%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $930 -$430 -31.6%
Virginia $814 -$546 -40.1%
Washington $1,050 -$310 -22.8%
West Virginia $1,244 -$116 -8.5%
Wisconsin $940 -$420 -30.9%
Wyoming $1,210 -$150 -11.0%

View Chart as Image

Honda Clarity insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different.

Honda Clarity Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Honda Clarity $284 $582 $416 $1,440
2020 Honda Clarity $274 $558 $430 $1,420
2019 Honda Clarity $260 $538 $442 $1,398
2018 Honda Clarity $250 $500 $452 $1,360
2017 Honda Clarity $240 $470 $456 $1,324

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 Cheap Honda Clarity Insurance

Saving money on auto insurance takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief summary of the material that was touched on above.

  • Consumers who want more liability coverage will pay about $500 annually to raise limits from a minimum limit to a 250/500 level
  • Teen drivers have the highest car insurance rates, costing up to $434 per month if the policy includes full coverage
  • Drivers that tend to have accidents or serious violations could be forced to pay on average $1,600 more annually to insure their Clarity
  • Increasing deductibles could save as much as $500 each year

Rates by Driver Age

Honda Clarity Insurance Rates by Driver Age
Driver Age Premium
16 $5,210
20 $3,164
30 $1,408
40 $1,360
50 $1,244
60 $1,220

Full coverage, $500 deductibles

Rates by Deductible

Honda Clarity Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,690
$250 $1,534
$500 $1,360
$1,000 $1,190

Full coverage, driver age 40

Rates by Liability Limit

Honda Clarity Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,450
100/300 $1,563
250/500 $1,857
100 CSL $1,496
300 CSL $1,744
500 CSL $1,925

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Clarity Insurance Rates for High Risk Drivers
Age Premium
16 $7,424
20 $5,046
30 $3,016
40 $2,962
50 $2,830
60 $2,806

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $779

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

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