Honda Odyssey Insurance Rates

One of the frequently asked coverage questions is how much does it cost to insure a Honda Odyssey? The average insurance cost for an Odyssey is $1,342 a year, or $111 a month. Learn what you can do to find cheap Honda Odyssey car insurance rates in our guide.

If you want to start comparing everything from the 2015 Honda Odyssey insurance cost to the 2018 Honda Odyssey insurance rates to 2007 Honda Odyssey trim levels’ rates, enter your ZIP code in our free tool above.

U.S. average insurance rates for a Honda Odyssey are $1,318 a year including full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $506, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs $2,868 or more. Teens pay the highest rates at up to $5,002 a year.

Average premium for full coverage: $1,318

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Odyssey models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should compare prices for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Honda Odyssey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $757
• Using higher $1,000 deductibles will save approximately $170 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,318
• Selecting pricier low deductibles for physical damage coverage will cost an extra $340 each year
• Higher-risk drivers with serious driving violations could pay up to $2,868
• The price for full coverage for a teenage driver for full coverage can cost as much as $5,002 or more

View Chart as Image

Car insurance prices for a Honda Odyssey are also quite variable based on your driving record, the model of your Odyssey, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda Odyssey insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 extra each year, depending on your age. Honda Odyssey insurance for high-risk drivers can be around 44% to 135% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Honda Odyssey Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and possibly higher deductibles. Take the time to comparison shop every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $417 a month if full coverage is included
• Drivers that tend to have accidents or serious violations may pay on average $1,550 more annually than a safer driver
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date

Honda Odyssey insurance costs can be reduced by shopping around for quotes. It can also help you decide what model year you want to buy, as you can find everything from 2003 Honda Odyssey price ranges to 2005 Honda Odyssey price ranges.

So if you are ready to find out various prices, such as how much does 2010, 2015, or 2016 Honda Odyssey cost to insure, enter your ZIP code in our free tool below.

What are the safety ratings of the Honda Odyssey?

The cost of a new Honda Odyssey may be more expensive if there are multiple safety features. The good news is that great Honda Odyssey safety ratings and features mean cheaper insurance rates. The Honda Odyssey has some good safety features, such as various protective airbags, brake assist, electronic stability control, and traction control.

The Insurance Institute of Highway Safety (IIHS) also gave the Honda Odyssey a 2019 Top Safety Pick award, as it has the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Keep in mind that a Honda Odyssey that is older may not have as good of a crash test rating. Watch the video below to see how the IIHS crash-tested the Honda Odyssey.

Honda Odyssey Compared Against Other Vehicles in the Same Class

So how much is a Honda Odyssey to insure with liability insurance? What are the affordable Honda Odyssey car insurance options? The answer depends on the vehicle class. The Honda Odyssey is a very large minivan, which means it can easily do damage to other vehicles. Luckily, the IIHS found that in comparison to other very large minivans, the Honda Odyssey’s liability insurance losses were significantly better than average.

This means that the cost of insurance for a Honda Odyssey should be cheaper than other very large minivans, regardless of whether you are looking at Honda Odyssey 2005 costs or 2016 or 2015 Honda Odyssey prices paid. To see how much other very large minivans cost to insure, view the list below.

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Ready to jump into finding out how much does a 2015 Honda Odyssey cost or how much is a 2011 Honda Odyssey cost to insure? Shopping for rates will give you a better idea of what average rates are for a Honda Odyssey. Enter your ZIP code in our free tool to get started and get a Honda Odyssey insurance quote today.

References

1. https://www.iihs.org/ratings/vehicle/honda/odyssey-minivan/2020