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 $1,316 a year for full coverage insurance. Comprehensive insurance costs approximately $248, collision insurance costs $494, and liability costs around $416. Liability-only insurance costs as low as $474 a year, and high-risk driver insurance costs $2,866 or more. Teenage drivers pay the highest rates at up to $5,024 a year.

Average premium for full coverage: $1,316

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.

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

Additional Rate Details

The chart below illustrates average Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The best discount rate is $758
• Using higher $1,000 deductibles will save $168 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,316
• Using more expensive low deductibles for physical damage coverage will cost an additional $330 every year
• Drivers who are prone to accidents and violations could pay around $2,866
• The price that insures a teen driver with full coverage can cost $5,024 or more

View Chart as Image

Car insurance prices for a Honda Odyssey are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda Odyssey insurance prices. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $500 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Right Honda Odyssey Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare prices every year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the coverage data covered in the above illustrations.

• It is possible to save around $160 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $500 each year
• Youthful drivers pay the highest auto insurance prices, as much as $419 a month if full coverage is purchased
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,550 more per year than a low-risk driver

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