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 auto insurance rates for a Honda Odyssey are $1,328 annually including full coverage. Comprehensive insurance costs approximately $268, collision costs $512, and liability costs $390. A policy with just liability insurance costs as little as $452 a year, with coverage for high-risk drivers costing $2,876 or more. Teen drivers pay the highest rates at $4,992 a year or more.

Average premium for full coverage: $1,328

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Odyssey models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Honda Odyssey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $763
• Drivers who choose higher $1,000 deductibles will pay $178 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,328
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $342 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,876 or more
• The price with full coverage for a 16-year-old driver for full coverage can cost $4,992 a year

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Honda Odyssey insurance for high-risk drivers can cost from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $520 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda Odyssey insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different between companies.

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 Buy Low Cost Honda Odyssey Insurance

Getting lower rates on insurance for a Honda Odyssey not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a review of the information covered in the above illustrations.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, possibly costing $416 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $525 each year
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,550 more per year for car insurance
• Insureds who purchase higher liability limits will pay about $430 per year to go from a low limit to higher 250/500 limits

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