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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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.[?] [?] 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.[?] 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.
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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:
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.
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