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 $1,284 a year including full coverage. Comprehensive insurance costs on average $226 a year, collision costs $458, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $2,800 or more. Teenage drivers pay the highest rates at $4,972 a year or more.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Odyssey trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Honda Odyssey insurance rates for different risk profiles and scenarios.

• The best discount rate is $740
• Using higher $1,000 deductibles will save around $1,128 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,284
• Using low $100 deductibles for physical damage coverage will cost an extra $304 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,800 or more
• The price for full coverage for a teen driver may cost $4,972 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 policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,900 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 $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 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 at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Best Honda Odyssey Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief recap of the primary concepts that were covered above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,520 more each year for Odyssey insurance
• Increasing physical damage deductibles can save around $450 each year
• Teens are expensive to insure, possibly costing $414 a month if full coverage is included

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