Honda Clarity Car Insurance Quotes (2025)
The Honda Clarity costs slightly less to insure than similarly sized cars. Understanding your coverage options can help you manage your premiums.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
On average, insuring a Honda Clarity costs $135 per month. That’s lower than the average for a midsize sedan, likely due to Honda’s strong safety record and relatively low repair costs.[1] [2] Combined with the Clarity’s fuel efficiency from its plug-in hybrid technology, it’s a popular choice for drivers who value affordability.
Understanding how your car insurance coverage works and the factors that affect your rate can help you make informed decisions and avoid unexpected costs. Here’s what you need to know as you shop for insurance for a Honda Clarity.
Quick Facts
USAA offers the cheapest car insurance rates, on average, for the Honda Clarity, although coverage is available only to military members and their families.
Insurance rates vary by model year, state, and driver profile.
Comprehensive and collision coverage provides valuable protection for new and high-value cars, especially hybrid and fuel-cell vehicles like the Clarity.
Cost of Honda Clarity insurance by model year
Insuring a Honda Clarity costs an average of $94 per month for a liability-only policy and $177 per month for a full-coverage policy. Rates vary by model year, but USAA, State Farm, and Allstate offer the lowest average premiums.
The table below shows average monthly quotes by model year for the Honda Clarity.
Model Year  | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| 2021 | $204 | $108 |
| 2020 | $195 | $103 |
| 2019 | $186 | $99 |
| 2018 | $177 | $94 |
| 2017 | $168 | $89 |
| 2016 | $163 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Honda discontinued the Clarity Plug-In Hybrid after the 2021 model year, offering only the Clarity Fuel Cell in 2022. The company then shifted its focus to other hybrid and electric vehicles, including the Civic, Accord, CR-V, and Prologue.
Because Honda only leased the Clarity Fuel Cell in 2022 and didn’t offer it for sale, no manufacturer’s suggested retail price (MSRP) data is available.
Average monthly quotes for the 2022 Clarity aren’t included due to insufficient data.
The 2021 Honda Clarity’s base-model MSRP was $33,400. The Touring edition, which featured leather-trimmed seats, power-adjustable front seats, and Honda’s satellite-linked navigation system, had a starting MSRP of $36,600.
The table below shows average monthly quotes for the 2021 Clarity from several of the best insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $102 $53 State Farm $122 $63 Allstate $136 $69 GEICO $151 $78 American Family $157 $80 Progressive $161 $115 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When released, the 2020 Honda Clarity had a base MSRP of $33,400.
You can see average monthly insurance rates from several major insurers below to help you compare your options.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $97 $51 State Farm $117 $60 Allstate $130 $66 GEICO $144 $74 American Family $150 $77 Progressive $154 $110 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Honda Clarity had a starting MSRP of $36,620.
The following table shows the average monthly premiums from several top insurance companies.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $93 $48 State Farm $112 $57 Allstate $125 $63 GEICO $144 $74 American Family $143 $73 Progressive $154 $110 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
With a base MSRP of $33,400, the 2018 Honda Clarity Plug-In Hybrid was offered in both standard and Touring models. This was the first year Honda built the Clarity as a plug-in hybrid, combining a battery for electric driving with a gas engine to take over when the battery ran low.
To help you estimate your insurance premiums, the following table shows average monthly quotes from several insurers for the 2018 Clarity.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $89 $46 State Farm $106 $55 Allstate $119 $60 GEICO $131 $68 American Family $136 $70 Progressive $140 $100 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Honda Clarity debuted with an MSRP of $36,620.
The table below highlights average monthly premiums from top insurance companies, including USAA, State Farm, and Allstate.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $84 $44 State Farm $101 $52 Allstate $113 $57 GEICO $124 $64 American Family $129 $66 Progressive $133 $95 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 Honda Clarity Fuel Cell was available only in California — the only state at the time with significant hydrogen-fueling infrastructure. Because it was such a niche model, MSRP data isn’t available.
See the table below for average monthly premiums from several insurers.
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyUSAA $81 $42 State Farm $98 $50 Allstate $109 $55 GEICO $121 $62 American Family $125 $64 Progressive $129 $92 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Honda insurance by state
Where you live affects your insurance costs significantly.[3] The map below shows average monthly premiums across all Honda models by state to give you an idea of typical rates in your area. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $136 |
| Arizona | $167 |
| Arkansas | $246 |
| California | $231 |
| Colorado | $211 |
| Connecticut | $321 |
| Delaware | $236 |
| Florida | $220 |
| Georgia | $239 |
| Idaho | $120 |
| Illinois | $163 |
| Indiana | $138 |
| Iowa | $116 |
| Kansas | $158 |
| Kentucky | $208 |
| Louisiana | $212 |
| Maine | $144 |
| Maryland | $325 |
| Massachusetts | $171 |
| Michigan | $265 |
| Minnesota | $187 |
| Mississippi | $199 |
| Missouri | $185 |
| Montana | $159 |
| Nebraska | $168 |
| Nevada | $269 |
| New Hampshire | $108 |
| New Jersey | $171 |
| New Mexico | $152 |
| New York | $451 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $124 |
| Oklahoma | $171 |
| Oregon | $154 |
| Pennsylvania | $166 |
| Rhode Island | $141 |
| South Carolina | $258 |
| South Dakota | $124 |
| Tennessee | $143 |
| Texas | $226 |
| Utah | $175 |
| Vermont | $145 |
| Virginia | $184 |
| Washington | $153 |
| Washington D.C. | $329 |
| West Virginia | $150 |
| Wisconsin | $127 |
| Wyoming | $114 |
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How to ensure you have enough coverage on your Honda Clarity
Whether it’s a plug-in hybrid or fuel-cell model, you need the right coverage types to protect your Honda Clarity. These are some common insurance coverages to consider:
Liability coverage
Nearly every U.S. state requires drivers to carry liability coverage. Liability insurance pays for injuries or property damage you cause to others in an accident. While minimum limits vary by state, you may want to opt for higher coverage amounts to protect yourself financially if someone sues you after an accident.[4]
Collision coverage
Collision insurance pays to repair or replace your Clarity if it’s damaged in a crash, regardless of fault. Given the cost of hybrid and fuel-cell components, collision coverage can help you avoid high out-of-pocket expenses.
Comprehensive coverage
Comprehensive insurance pays for damages to your car after non-collision incidents, like theft, fire, vandalism, or weather damage.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your medical bills and car repairs if the driver at fault has no insurance or inadequate coverage.
Gap coverage
Gap insurance covers the difference between the car’s value and what you owe if it’s totaled.[5] This coverage is especially valuable early in the loan term.
Honda Clarity car insurance FAQs
Below are answers to some common questions drivers have about insuring and owning a Honda Clarity.
USAA offers the lowest average insurance rates for Honda Clarity drivers, but coverage is available only to military members and their families. Other affordable insurers include State Farm and Allstate.
Compared to similar midsize sedans, the Honda Clarity is less expensive to insure. This is likely due to Honda’s track record for safety and reasonable repair costs.
On average, it costs $135 per month to insure a Clarity. But your rates will vary depending on your driving history, age, ZIP code, and coverage options.
Honda discontinued the Clarity after 2022 due to declining demand and a shift in focus toward fully electric vehicles and newer hybrid technologies.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Honda. "Seven 2025 Honda and Acura Models Earn IIHS Top Safety Ratings."
- Consumer Reports. "Car Brands Ranked by Maintenance and Repair Costs Over Time."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Insurance Information institute. "What is gap insurance?."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.