Honda Clarity Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Honda Clarity costs more than most other cars to insure.

• Liability auto insurance for a Clarity averages around $81 per month, while full coverage usually tends to be about $198.

• Freedom provides the most affordable average premiums for a Clarity with liability only coverage offered for sometimes as little as $30 a month.

Clarity Overview

The Honda Clarity is a great car for all budgets, with new 2021 models starting at $36,600. There are two different trim levels currently available, so there's something there for every driver.

We ran through thousands of car insurance quotes on Compare.com, and we've found that Honda Clarity insurance prices are around $174 monthly, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Honda Clarity?

You can see in the table above that Honda Clarity insurance premiums are higher than average compared to other vehicles. Clarity owners typically pay about $198 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 per month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the Clarity is more expensive, with rates more than 10% higher than other vehicles in Honda's lineup. Compared to offerings from other brands, auto insurance for a Clarity runs close to average, with liability insurance prices $2 cheaper than other cars and full coverage insurance rates coming in $21 higher.

Compared to all vehicles, regardless of make, model, or body style, liability only premiums are slightly less expensive for a Clarity, but run higher than average for full coverage policies.

Who has the Cheapest Car Insurance for a Honda Clarity?

Are you looking for a car insurance policy for your Honda Clarity? You're likely interested in which carrier offers the cheapest premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $30 per month from Freedom and Aspire.

Rounding out the list are MetroMile, Sun Coast, and Hugo. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, car insurance companies look at a whole range of variables when calculating rates, so your results might be different. By reviewing quotes from a lot of insurance carriers at once, you can guarantee you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Honda Clarity?

There are a whole bunch of factors that car insurance companies look at to choose how much to charge -- and every company weighs certain variables more than others, so there's not just one carrier that's the most affordable for each Clarity owner.

The sections below show quite a few things auto insurance carriers use to calculate rates:

Vehicle Age

The Honda Clarity has only been around for two or three model years, which means vehicle age won't affect your premium in the same way it might for other vehicles. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Claritys begin to depreciate, insurance costs will gradually decrease.

Based on the information in the table above, Clarity prices are between $56 and $96 a month, on average.

Your Age

Age makes a significant difference in how much you pay for insurance. Because the Honda Clarity is pretty new to the market, we're just starting to collect data on how age is affecting auto insurance rates. So far, based on the table above, those with more experience pay less for car insurance compared to young Clarity drivers.

Insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Clarity drivers.

Your Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. So, women normally pay less for insurance than men. When it comes to Clarity drivers specifically, men pay around $86 per month for auto insurance, while women pay about $45. But due to the small sample size of Clarity data, this pricing may not be representative of the premiums you may see.

Where You Live

It may be obvious that variables such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live is just as important? Since insurance is regulated on the state level rather than nationally, premiums can differ quite a bit depending on where you live.

Because the Clarity is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than any other state.

Honda Clarity Car Insurance Discounts

Whatever how old you are, where you live, or which vehicle you drive, it's always important to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

While no two car insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get great rates is to work on your overall insurance profile.

While you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), you can influence some of it. Below are just a few of the factors you can use to your advantage in order to save money on auto insurance:

Your Driving Record

It's no secret that insurance companies offer the lowest prices to drivers with clean records. It checks out that your car insurance rates will increase if you get into an accident or get a ticket for speeding. But exactly how much can these infractions cost you?

Unfortunately, we don't have enough data on file for Honda Clarity drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Clarity drivers when it comes to auto insurance.

How Much You Drive

Another variable that plays a role in your insurance prices is the total amount of miles you drive each year. Those who are on the roads less often are less likely to get into collisions, so they'll generally get lower premiums. Since the Honda Clarity is a new car, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices.

But if you don't drive much because you work from home or have a second vehicle, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Honda Claritys Compare to Other Vehicles?

If you're considering making a Honda Clarity your next vehicle, it can pay off to do your homework. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Take a look at the table below to see how the Honda Clarity stacks up:

Overall, the Honda Clarity has an MSRP that's on par with the going rate for a new vehicle. The Clarity comes in at $36,600, similar to the national average vehicle MSRP of $46,223.

Although the Clarity has a pretty average price, car insurance premiums are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Honda Clarity is around $19 a month cheaper than average, while liability only coverage is $19 cheaper a month.

When it comes to usage, Honda Clarity owners drive fewer miles annually than the national average, with 11,673 miles for all vehicles every year compared to the Clarity's 9,185 a year.

Honda Clarity Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much you might pay for insurance. But if you're thinking about buying a new vehicle and the Clarity is one you're considering, knowing what you can expect to pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

For this reason, we've decided to break down Honda Clarity auto insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like cheapest insurance carrier, base price, and even available trims for each year the Clarity has been around.

2021 Honda Clarity Car Insurance

With a base price of just $36,600, the 2021 Honda Clarity is an affordable car option for new car buyers.

When it comes to insuring a Clarity, it costs about $62 per month, on average, to insure a 2021 Honda Clarity for liability only and $150 monthly for full coverage. And if you want the cheapest insurance possible, Mercury offers liability only policies for as low as $62 a month.

While it helps to know the average price drivers pay to insure a 2021 Clarity, the only way to find out exactly what you'll pay is to get a personalized quote. With Compare.com, you can get several quotes at once, all for free. To get started, simply enter your ZIP code below.

2020 Honda Clarity Car Insurance

If you're in the market for a 2020 Clarity or already own one, you're most likely looking at an average car insurance premium of around $44 for liability or $151 for full coverage.

And if you're just looking for the most affordable auto insurance for your Clarity, Freedom offers liability only policies for as low as just $30 monthly.

If you want to know exactly how much you can expect to pay for your Clarity, just enter your ZIP code below and get free quotes in minutes.

2019 Honda Clarity Car Insurance

The average cost to insure a 2019 Clarity with liability only coverage is $46 per month, while full coverage runs about $180 monthly.

Looking for the lowest policy? Aspire offered liability only coverage for as little as $31 per month.

If you want to know exactly how much you can expect to pay for your Clarity, just enter your ZIP code below and get several free quotes in minutes.

2018 Honda Clarity Car Insurance

You can expect full coverage for a 2018 Honda Clarity to run around $214 a month, while liability only coverage will average about $93 monthly.

If you're looking for the most affordable 2018 Honda Clarity insurance policy, Aspire offered the cheapest policy we found, with rates as little as just $24 a month.

Want something more accurate than national averages? Enter your ZIP code below to get lots of free personalized quotes.

Honda Clarity Insurance FAQs

Is a Honda Clarity expensive to insure?

Liability insurance runs an average of $81 per month, while full coverage will cost you around $198. The Honda Clarity is more expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Honda Clarity?

The only way to confirm you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from a variety of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Clarity affect my insurance rates?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not the case. Although there are multiple variables insurance carriers examine when they calculate how much you'll pay, your Clarity's color is not used to make that determination.

Do I need to have insurance before I buy a Honda Clarity?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Honda Clarity?

You will find a multitude of different discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your Honda Clarity and more on you, but if your Clarity has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to contact your insurance carrier and ask about which discounts they offer, since they shift quite a bit from company to company.