Cheapest 2012 Honda Odyssey Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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Want the cheapest insurance rates for your Honda Odyssey? Have you had enough of not being able to afford to pay your car insurance bill each month? Your situation is no different than most other car owners.

Big companies like State Farm and GEICO promote their brand names with ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

The fastest way that we advise to compare rates utilizes the fact all the major auto insurance companies allow for online access to compare rate quotes. The one thing you need to do is provide a small amount of information like distance driven, whether you are single or married, if you have an active license, and types of safety features. Your details is instantly sent to multiple insurance coverage providers and they respond with quotes within a short period of time.

To compare multiple company rates now, click here and enter your coverage details.

Misconceptions in car insurance advertisements

Car insurance providers like GEICO, State Farm and Progressive continually stream ads on TV and radio. They all make the same claim of big savings after switching to them. But how can every company say the same thing?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a preferred risk could possibly be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get the preferred rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet the requirements will be charged a more expensive rate and ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save money. That is how insurance companies can advertise the savings. That is why it is so important to compare as many rates as you can. It’s not possible to predict which company will fit your personal profile best.

What determines your Honda Odyssey insurance premium

Consumers need to have an understanding of the different types of things that help determine insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Older drivers save more – Teen drivers are statistically proven to get distracted easily behind the wheel so insurance rates are higher. Adding a young driver onto your insurance can really hurt. Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Bump up deductibles to save – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more money you’re willing to pay, the less your company will charge you for insurance for Odyssey coverage.
  • A lapse in coverage is a bad thing – Allowing your insurance policy to lapse is a quick way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Better credit scores mean better rates – A driver’s credit score is a big factor in determining your rates. Therefore, if your credit is lower than you’d like, you could save money insuring your 2012 Honda Odyssey by improving your rating. People with good credit tend to be more responsible than drivers who have poor credit.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as doctors, architects and accountants tend to pay higher rates than average because of high stress levels and long work hours. On the flip side, jobs such as actors, athletes and homemakers have the lowest average rates for Odyssey coverage.
  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so remove them from your policy.
  • Traffic violations increase rates – Whether or not you get tickets impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than their less careful counterparts. Even a single citation can boost insurance rates forty percent or more. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

Discounts are great for lower rates

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so we break down both the well known and the more hidden savings tricks you should be using.

  • One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of insurers who offer car insurance discounts, follow this link.

You may need specialized coverage

When it comes to choosing the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Am I covered if my car is in a flood?
  • Should I get collision insurance on every vehicle?
  • Can I get a multi-policy discount?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving a rental car?
  • Where can I find high-risk insurance?
  • Can I rate high risk drivers on liability-only vehicles?

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If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Odyssey.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for funeral costs, prosthetic devices, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – This protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, legal defense fees, repair costs for stationary objects, medical services and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision – Collision coverage covers damage to your Odyssey from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage, falling objects, damage from flooding and hitting a deer. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Never pay more for less

We just covered a lot of information how to reduce 2012 Honda Odyssey insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

More detailed auto insurance information can be found at these sites:

  • Keeping Children Safe in Crashes Video (
  • What does Personal Injury Protection (PIP) Cover? (Allstate)
  • Auto Insurance 101 (
  • How to Avoid Staged Accidents (State Farm)
  • Top Signs Your Brakes are Giving Out (State Farm)
  • Bodily Injury Coverage (Liberty Mutual)

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