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 for full coverage insurance. Comprehensive insurance costs around $256, collision insurance costs $506, and liability is $398. Liability-only coverage costs around $460 a year, and high-risk coverage 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 for individual coverage:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates average Honda Odyssey insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $757
• Raising to $1,000 deductibles will save about $170 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,318
• Selecting more expensive low deductibles will cost an extra $340 every year
• At-risk drivers with serious driving violations could pay at least $2,868
• The price for full coverage for a teen driver with full coverage can be $5,002

View Chart as Image

Auto insurance prices for a Honda Odyssey are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

The state you live in also has a big influence on Honda Odyssey insurance prices. A middle-age driver might find prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 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 car insurance consists of having a good driving record, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief summary of the data that was covered above.

• It is possible to save up to $160 per year just by shopping early and online
• Policyholders who may need increased levels of liability coverage will pay approximately $440 annually to raise from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $417 a month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,550 more every year to buy Honda Odyssey insurance

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