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 with full coverage. Comprehensive insurance costs approximately $248 each year, collision costs $494, and liability is estimated at $416. Liability-only coverage costs approximately $474 a year, with high-risk coverage costing $2,866 or more. Teenage drivers pay the highest rates at $5,024 a year or more.

Average premium for full coverage: $1,316

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Odyssey models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $758
• Choosing higher $1,000 deductibles can save $168 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,316
• Using low deductibles for comp and collision coverage will cost an additional $330 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,866 or more
• The price that insures a 16-year-old driver can cost $5,024 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Odyssey insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $500 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

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 Affordable Honda Odyssey Insurance

Getting lower rates on insurance for a Honda Odyssey takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at least every other year by requesting quotes from direct companies, and also from local insurance agencies.

The next list is a brief review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,550 more per year to buy Honda Odyssey insurance
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $500 each year
• Insureds who purchase increased levels of liability coverage will pay an extra $460 every year to raise limits from a low limit to the 250/500 level

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