2020 Honda Clarity Car Insurance Calculator

Explore and learn how different driver and vehicle factors affect car insurance rates for a 2020 Honda Clarity. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2020 Honda Clarity is $2,206 per year, or about $184 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,206

Cost Per Month

$184

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda Clarity Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Honda Clarity.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,206
Average Rate
Your Rate
$2,206

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Honda Clarity trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Honda Clarity is $2,206.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Honda Clarity vs. the Small Car Segment

The table below compares insurance rates for the 2020 Honda Clarity against all other models in the small car segment. The Honda Clarity is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda Clarity, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda Clarity.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Honda Clarity Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$620
2Honda Fit$1,648-$558
3Fiat 500L$1,666-$540
4Toyota Corolla$1,690-$516
5Volkswagen Golf$1,732-$474
6Toyota Yaris$1,752-$454
7Subaru Impreza$1,778-$428
8Fiat 124 Spider$1,806-$400
9Nissan Sentra$1,820-$386
10Mazda 3$1,834-$372
11Honda Civic$1,874-$332
12Kia Rio$1,880-$326
13Hyundai Accent$1,898-$308
14Kia Forte$1,916-$290
2020 Small Car Average$1,973-$233
15Toyota Prius$2,024-$182
16Hyundai Veloster$2,080-$126
17Volkswagen GTI$2,088-$118
18Volkswagen Jetta$2,100-$106
19Nissan Versa$2,110-$96
20Nissan Leaf$2,128-$78
21Mitsubishi Mirage G4$2,130-$76
22Chevrolet Sonic$2,168-$38
23Honda Clarity$2,206--
24Hyundai Elantra$2,230$24
25Hyundai Ioniq$2,274$68
26Toyota 86$2,406$200
27Toyota Mirai$2,460$254

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 Clarity Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Honda Clarity.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Honda Clarity Insurance Rates by Trim Level
2020 Honda Clarity Trim Level Annual Premium Cost Per Month
Plug-in Sedan$2,168$181
Plug-in Touring Sedan$2,244$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Honda Clarity for different driver ages.

2020 Honda Clarity Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,813$651
17$7,589$632
18$6,845$570
19$6,216$518
20$4,773$398
21$4,554$380
22$4,083$340
23$3,336$278
24$3,161$263
25$2,564$214
30$2,356$196
35$2,266$189
40$2,206$184
45$2,060$172
50$1,952$163
55$1,824$152
60$1,830$153
65$1,950$163
70$2,094$175
75$2,456$205
80$3,024$252

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda Clarity trim levels.