- Honda Clarity insurance costs an average of $1,908 per year on average, or about $159 per month for a policy with full coverage.
- The cheapest Clarity insurance can be found on the Plug-in Hybrid trim level at an estimated $1,880 per year. The most expensive is the Touring at $1,934 annually.
- When compared to the entire small car segment, the 2022 Clarity ranks in the bottom half at 16th out of 20 total comparison vehicles.
How much does Honda Clarity car insurance cost?
Car insurance for a Honda Clarity costs an average of $1,908 per year. Monthly insurance cost for a Clarity averages $159 per month, and ranges from $157 to $161, depending on the trim level.
Collision insurance is an estimated $870 a year, comprehensive (or other-than-collision) coverage will cost an estimated $458, and the remaining liability and medical payments insurance will cost approximately $580.
The following chart illustrates average 2022 Honda Clarity insurance rates using different risk profiles and driver ages.
To help you understand the amount of variability inherent in car insurance rates, keep in mind that buying a Honda Clarity insurance policy with only liability coverage in the most affordable parts of Illinois or Vermont costs as little as $236 a year, while a teenager with a poor driving record in some zip codes in New Orleans, LA, could get a bill for $15,685 a year for a policy that provides full coverage on a 2022 Clarity.
Which Honda Clarity has the cheapest insurance?
The cheapest trim level of Honda Clarity to insure is the base Plug-in Hybrid model at around $1,880 per year, or about $157 per month.
The most expensive model to insure is the Touring model at an average cost of $1,934 per year, or about $161 per month.
The table below breaks out car insurance rates for the base and Touring models of the 2022 Honda Clarity. Rates are provided for both annual and semi-annual policy terms, along with a monthly amount for budgeting purposes.
| 2022 Honda Clarity Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Plug-in Hybrid | $1,880 | $157 |
| Touring | $1,934 | $161 |
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. Updated February 23, 2024
How does Honda Clarity insurance cost compare?
When compared directly to other popular compact cars, insurance rates for a Clarity cost $198 more per year than the Honda Civic, $206 more than the Toyota Corolla, $222 more than the Nissan Sentra, and $42 less than the Hyundai Elantra.
The Honda Clarity ranks 16th out of 20 total vehicles in the 2022 small car class. The Clarity costs an estimated $1,908 per year for insurance and the class median average cost is $1,781 annually, a difference of $127 per year.
The table below shows how well average Honda Clarity car insurance rates compare to other compact cars like the Honda Civic, Toyota Corolla, and the Hyundai Elantra.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Impreza | $1,506 | -$402 |
| 2 | Chevrolet Spark | $1,508 | -$400 |
| 3 | Volkswagen Golf | $1,664 | -$244 |
| 4 | Volkswagen Jetta | $1,680 | -$228 |
| 5 | Nissan Sentra | $1,686 | -$222 |
| 6 | Toyota Corolla | $1,702 | -$206 |
| 7 | Kia Rio | $1,708 | -$200 |
| 8 | Honda Civic | $1,710 | -$198 |
| 9 | Mazda 3 | $1,712 | -$196 |
| 10 | Toyota Prius | $1,732 | -$176 |
| 11 | Hyundai Accent | $1,752 | -$156 |
| 12 | Kia Forte | $1,770 | -$138 |
| 13 | Hyundai Veloster | $1,780 | -$128 |
| 14 | Nissan Leaf | $1,850 | -$58 |
| 15 | Hyundai Ioniq | $1,856 | -$52 |
| 16 | Honda Clarity | $1,908 | -- |
| 17 | Hyundai Elantra | $1,950 | $42 |
| 18 | Nissan Versa | $1,956 | $48 |
| 19 | Mitsubishi Mirage G4 | $1,960 | $52 |
| 20 | Toyota Mirai | $2,238 | $330 |
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 vehicle from the 2022 model year. Updated February 23, 2024
Additional insurance rates and information
Some other situational car insurance rates worth noting are:
- Being a cautious driver saves money. Too many at-fault accidents will increase rates, possibly as much as $2,738 per year for a 20-year-old driver and as much as $470 per year for a 60-year-old driver.
- Honda Clarity car insurance for teenagers is expensive. Average rates for full coverage Clarity insurance costs $6,828 per year for a 16-year-old driver, $6,613 per year for a 17-year-old driver, and $5,923 per year for an 18-year-old driver.
- As you get older, rates tend to drop. The difference in Clarity car insurance rates between a 40-year-old driver ($1,908 per year) and a 20-year-old driver ($3,848 per year) is $1,940, or a savings of 67.4%.
- Get cheaper rates by researching discounts. Discounts may be available if the insured drivers belong to certain professional organizations, insure multiple vehicles on the same policy, are accident-free, work in certain occupations, are away-from-home students, or many other discounts which could save the average driver as much as $324 per year.
- Get cheaper insurance cost by avoiding traffic tickets. In order to get the most affordable price on Clarity insurance rates, it’s necessary to avoid traffic citations. As a matter of fact, just a couple blemishes on your driving record could raise the cost of a policy by as much as $508 per year.